Privacy Policy
Last updated: April 17, 2026
Mortgage License Online ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
1. Information We Collect
- Personal Information: When you register for an account, we collect your name, email address, phone number, and billing information.
- Usage Data: We automatically collect information about your device, browser type, IP address, pages visited, and the time and date of your visit.
- Course Progress Data: We track your course progress, quiz scores, and completion status to provide certificates and report to NMLS.
- Payment Information: We collect payment card information through our secure payment processor (Stripe). We do not store full credit card numbers on our servers.
2. How We Use Your Information
- To process your enrollment and provide access to courses.
- To communicate with you regarding your account, courses, and customer support.
- To process payments and issue refunds.
- To report course completion credits to the Nationwide Mortgage Licensing System & Registry (NMLS) as required.
- To improve our website, courses, and services.
- To comply with legal obligations and enforce our Terms of Service.
- To send transactional emails (enrollment confirmations, password resets, certificate delivery). Marketing emails require your consent and include opt-out options per the CAN-SPAM Act of 2003.
3. Information Sharing & Disclosure
- NMLS Credit Banking: Once approved courses launch, we report required student completion data (name, NMLS ID, course ID, completion date, and hours) to the Nationwide Mortgage Licensing System & Registry.
- Payment Processors: We share billing information with Stripe for payment processing. Stripe's privacy policy governs their use of your data.
- Legal Requirements: We may disclose your information when required by law, court order, or government regulation.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
- We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
4. Data Security
- We implement industry-standard security measures including 256-bit SSL/TLS encryption for all data transmission.
- Access to personal information is restricted to authorized employees who need it to perform their duties.
- We regularly review and update our security practices to protect against unauthorized access, alteration, disclosure, or destruction of data.
- While we strive to protect your information, no method of transmission over the Internet is 100% secure.
5. Data Retention
- We retain student records, course completion data, and associated documents for a minimum of five (5) years in accordance with our provider-application retention plan and the NMLS Approved Course Data and Document Retention Policy.
- Payment records are retained as required by applicable tax and financial regulations.
- You may request deletion of your account, subject to our legal obligations to retain certain records.
6. Cookies & Tracking
- We use cookies and similar technologies to enhance your experience, analyze site usage, and assist in our marketing efforts.
- Essential cookies are required for site functionality (login sessions, course progress tracking).
- Analytics cookies help us understand how visitors interact with our site. You may opt out of non-essential cookies through your browser settings.
7. Your Rights
- Access: You may request a copy of the personal information we hold about you.
- Correction: You may request that we correct any inaccurate information.
- Deletion: You may request deletion of your personal information, subject to legal retention requirements.
- Opt-Out: You may opt out of marketing communications at any time by clicking the unsubscribe link in our emails.
- To exercise these rights, contact us at privacy@mortgagelicenseonline.com.
8. Contact Information
- Mortgage License Online
- Email: privacy@mortgagelicenseonline.com
- Website: www.mortgagelicenseonline.com
- For questions or concerns about this Privacy Policy, please contact our Privacy Officer at the email above.