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Terms and Use / School Rules / Refund
Policy / Privacy Information
USE OF SITE
This site or any portion of this site may not be reproduced, duplicated,
copied, sold, resold, or otherwise exploited for any commercial purpose
that is not expressly permitted by OnlineMortgageCE By using and participating
in this website you signify that you have read these terms and agree
to be bound by and comply with them. If you do not agree to be bound
by these terms, please promptly exit this website. OnlineMortgageCE reserves
the right to modify these terms at any time and will publish notice
of any such modification online at this site. By continuing to access
a site after notice of such modifications, you signify your agreement
to be bound by the modifications.
TERMS OF USE
You may use our site for lawful purposes only. You may not use our site
to post, transmit or otherwise distribute unlawful material. Examples
of unlawful material include, without limitation, threats of physical
harm, defamatory statements, pornographic material, and copyrighted,
trademarked and other proprietary material used without proper authorization.
You may not attempt to use or distribute tools designed for compromising
security or take any action to compromise the security of this site.
Examples of these tools include but are not limited to password guessing
programs, cracking tools or network probing tools. You may not "flood" or
disrupt our website through any means or process. OnlineMortgageCE has
the right and student agrees, that OnlineMortgageCE has the right to suspend,
terminate or refuse any and all current or future use of this service
for any or no reason.
CONDUCT
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Any student found to be cheating could result in suspension or revocation
of a license, or other penalties. What is cheating? Allowing another
person other than yourself to complete ANY portion of ANY class including
course material, quizzes and/or final exams. Student agrees that student
is the person enrolling, and will complete all portions of the course(s)
without the help of others.
Various State Requirements:
It is the student's responsibility to ensure that the course(s) chosen,
comply with any credit the student may need for renewal or state purposes.
It is the student's responsibility to ensure that they complete their
required course(s) by any deadline they may have with any state agency.
Real Estate Courses: It is the student's responsibility to pick the
appropriate courses to satisfy the student's state requirements. If
you're on your 1st renewal you may need 60 hours of SAE credit. Real
Estate MCE courses cannot be used for the 60 hour SAE credit can conversely
SAE hours cannot be used for MCE credit.
REFUND POLICY
Student understands that problems and connection issues can arise when
dealing with computers and the internet. OnlineMortgageCE will not be
held responsible for any delays or charges due to technical difficulties.
OnlineMortgageCE will not refund tuition for partially completed courses.
OnlineMortgageCE will not refund tuition for courses purchased that do
not meet the individual student's needs, however, student may pick
different courses with approval from OnlineMortgageCE Any questions about
the amount of credit that a course is approved for, should be resolved
before purchasing a course. Once purchasing a course, the student must
complete the course within 3 months. The student further understands
and agrees that if the student disputes any or all of the charges made
to the credit card for services rendered, student agrees to pay an
additional $35.00 administration fee.
ISSUING OF CREDIT
Terms and Use / School Rules / Refund Policy / Privacy Information
If payment has not been secured, the student understands that completion
notification will NOT be forwarded to the student or any other entity
until funds have cleared both the student’s account and the school’s
bank account. The actual course completion date will be utilized when
determining if the licensee completed the course before their license
expiration date. For students waiting until their deadline to finish
their courses, you must complete your courses prior to 11:59pm on your
expiration date. Although your credit will not be posted on time, once
the credit is posted, you will have met your requirements, as long as
you completed the required number of renewal hours, and started the MCE
courses 24 hours prior to your license expiration date. Students will
ensure they complete any renewal applications and pay fees with any state
agency requiring the renewal (prior to their expiration date).
COPYRIGHT OWNERSHIP AND LICENSE
The information on this website is the property of OnlineMortgageCE and
protected by U.S. and international copyright laws. Copyright Notice:
Copyright © 2009 OnlineMortgageCE
Except as expressly prohibited on this website, you are permitted to
view, copy, and print documents within this website (such as FAQs, papers,
datasheets, and so on), subject to your agreement that all of the following
conditions are met:
- Your use of the information is for informational, personal, and
noncommercial purposes only.
- You will not modify the documents or graphics.
- You will not copy or distribute graphics separate from their accompanying
text and you will not quote materials out of their context.
- You will display the above copyright notice on all documents or
portions of documents and retain any other copyright and other proprietary
notices on any copy you make.
- You agree that OnlineMortgageCE may revoke this permission at any time
and you shall immediately stop your activities related to this permission
upon notice from OnlineMortgageCE
The permission above does not include permission to copy the design
elements, look and feel, or layout of the website. Those elements are
also protected by copyright law, and may not be copied or imitated in
any manner.
LINKS TO OTHER SITES
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The OnlineMortgageCE website includes hyperlinks to sites maintained or
controlled by others. OnlineMortgageCE is not responsible for and does not
routinely screen, approve, review, or endorse the contents of or use
of any of the products or services that may be offered at this or any
other website. We advise you to review the individual privacy policies
of the respective sites.
DISCLAIMER OF WARRANTIES AND LIABILITY
This site is provided by OnlineMortgageCE on an "as is" basis. OnlineMortgageCE
makes no representations or warranties of any kind, expressed or implied,
as to the operation of the site or the information, content, or materials
included on this site. To the full extent permissible by applicable law,
OnlineMortgageCE disclaims all warranties, expressed or implied. These services
and information are provided without implied warranty of any kind, either
expressed or implied, including without limitation, the implied warranties
of merchantability, fitness for use of a particular purpose, or noninfringement.
OnlineMortgageCE will not be liable for any damages of any kind arising
from the use of this site, including, but not limited to direct, indirect,
incidental, punitive, and consequential damages.
AUTHORIZATION
By registering, student authorizes OnlineMortgageCE to contact them via
phone and/or email for all purposes.
ACTIONS ON COMPLAINTS
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We reserve the right to investigate suspected violations of this Agreement.
If we become aware of possible violations, we may initiate an investigation
that may include gathering information from you or any user involved
and the complaining party, if any, and examination of other material.
We may suspend the provision of our Services, temporarily or permanently
remove the material involved from our servers, cancel posts, provide
warnings to you, or suspend or terminate your access to the site. We
will determine what action will be taken in response to a violation on
a case-by-case basis, at our sole discretion. We will fully cooperate
with law enforcement authorities in investigating suspected lawbreakers.
Copyright violations should be reported to our office.
INDEMNIFICATION BY USER
User agrees to indemnify, defend and hold OnlineMortgageCE and their affiliates
harmless from any liability, loss, claim and expense, including attorney's
fees related to a user's violation of these terms and conditions or
the use of the services and information provided at this website.
CHOICE OF LAW/FORUM SELECTION
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Sites are hosted on OnlineMortgageCE computing resources. You agree that
any dispute arising out of or relating to these terms or any content
posted to a site including copies and republication, whether based in
contract, tort, statutory or other law, will be governed by the laws
of the State of New Jersey, excluding its conflicts of law provisions.
You further consent to the personal jurisdiction of and exclusive venue
in the federal and state courts located in and serving New Jersey, as
the legal forum for any such dispute.
Information Terms and Use / School Rules / Refund Policy / Privacy
Information
Collection Information OnlineMortgageCE is the sole owner of the information
collected on OnlineMortgageCE. OnlineMortgageCE collects information from our
users at several different points on our website.
Registration
In order to use the services provided through this website, a user must
complete the registration form. During registration a user is required
to give contact information (such as name and email address). We use
this information to contact the user about services on our site for
which he has expressed interest.
Order
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We request information from the user on our secure order and registration
form. A user must provide contact information (such as name, email, and
address) and financial information (such as credit card number and expiration
date). This information is used for billing purposes and to fill customer’s
orders. If we have trouble processing an order, the contact information
is used to contact the user. In the event the registering student is
using another person's credit card (3rd party card holder), OnlineMortgageCE
may require the card holder to sign an authorization form. If this situation
arises, OnlineMortgageCE will contact the student. OnlineMortgageCE may require
proper identification from students or cardholders. This policy is to
protect the Student, Cardholder, and OnlineMortgageCE
Information Use
We may store information that we collect through cookies, log files,
clear gifs, and/or third parties to create a profile of our users.
A profile is stored information that we keep on individual users that
details their viewing preferences. Consequently, collected information
is tied to the users personally identifiable information to provide
offers and improve the content of the site for the user. This profile
is used to tailor a user’s visit to our website, and to direct pertinent
marketing promotions to them. We do not share your profile with any
third parties.
Cookies
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A cookie is a piece of data stored on the user’s computer tied to information
about the user. Usage of a cookie is in no way linked to any personally
identifiable information while on our site. We use both session ID cookies
and persistent cookies. For the session ID cookie, once users close the
browser, the cookie simply terminates. A persistent cookie is a small
text file stored on the user’s hard drive for an extended period of time.
Persistent cookies can be removed by following Internet browser help
file directions. By setting a cookie on our site, users will sometimes
not have to log in a password more than once, thereby saving time while
on our site. If users reject the cookie, they may still use our site.
The only drawback to this is that the user will be limited in some areas
or services of our site. Persistent cookies enable us to track and target
the interests of our users to enhance the experience on our site.
Some of our business partners use cookies on our site (for example,
advertisers). However, we have no access to or control over these cookies,
once we have given permission for them to set cookies for advertising.
Third Party Advertising Terms and Use / School Rules / Refund Policy
/ Privacy Information
Information about users’ visit to this site, such as number of times
they have viewed an ad (but not user name, address, or other personal
information), is used to serve ads to users on this site.
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This privacy statement covers the use of cookies by OnlineMortgageCE only
and does not cover the use of cookies by any advertisers.
Log Files
Like most standard website servers we use log files. This includes internet
protocol (IP) addresses, browser type, internet service provider (ISP),
referring/exit pages, platform type, date/time stamp, and number of
clicks to analyze trends, administer the site, track user’s movement
in the aggregate, and gather broad demographic information for aggregate
use. IP addresses, etc. are not linked to personally identifiable information.
Communications from the Site
Special Offers and Updates
We send all new members a welcoming email to verify password and username.
Established members will occasionally receive information on products,
services, special deals, and a newsletter. Out of respect for the privacy
of our users we present the option to not receive these types of communications.
Please see the Choice and Opt-out sections.
Newsletter back to top
If a user wishes to subscribe to our newsletter, we ask for contact information
such as name and email address. Out of respect for our users privacy
we provide a way to opt-out of these communications. Please see the
Choice and Opt-out sections.
Service Announcements Terms and Use / School Rules / Refund Policy
/ Privacy Information
On rare occasions it is necessary to send out a strictly service related
announcement. For instance, if our service is temporarily suspended for
maintenance we might send users an email. Generally, users may not opt-out
of these communications, though they can deactivate their account. However,
these communications are not promotional in nature. Please see our Choice
and Opt-out section.
Customer Service
We communicate with users on a regular basis to provide requested services
and in regards to issues relating to their account we reply via email,
fax and/or phone, in accordance with the users wishes.
Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to
disclose personal information when required by law wherein we have
a good-faith belief that such action is necessary to comply with a
current judicial proceeding, a court order or legal process served
on our website.
Aggregate Information (non-personally identifiable)
We share aggregated demographic information with our partners and advertisers.
This is not linked to any personally identifiable information.
OnlineMortgageCE shares website usage information about users with other
parties for the purpose of targeting our Internet banner advertisements
on this site and other sites. For example, OnlineMortgageCE uses cookies
and clear GIFs on this site, which allow them to recognize a user's
cookie when a user visits this site. The information they collect and
share through this technology is not personally identifiable. We DO
NOT Share Personal Information with Third Parties. Third Party Intermediaries
We may 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.
Service Providers
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We partner with other third parties to provide specific services. When
the user signs up for these particular services, we share names, or other
basic contact information that is necessary for the third party to provide
these services. These third parties are not allowed to use personally
identifiable information except for the purpose of providing these services.
Business Transitions
In the event OnlineMortgageCE goes through a business transition, such as
a merger, being acquired by another company, or selling a portion of
its assets, users’ personal information will, in most instances, be
part of the assets transferred.
Choice/Opt-out
Our users are given the opportunity to ‘opt-out’ of having their information
used for purposes not directly related to our site at the point. Users
who no longer wish to receive our newsletter and promotional communications
may opt-out of receiving these communications by replying to unsubscribe
in the subject line in the email or contact us at 1.877.550.5808. Users
of our site are always notified when their information is being collected
by any outside parties. We do this so our users can make an informed
choice as to whether or not they should proceed with services that require
an outside party.
Links
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This website contains links to other sites. Please be aware that we,
OnlineMortgageCE, are not responsible for the 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 each and every website that collects
personally identifiable information. This privacy statement applies solely
to information collected by this website.
Surveys & Contests Terms and Use / School Rules / Refund Policy / Privacy
Information
From time-to-time, our site requests information from users via surveys
or contests. Participation in these surveys or contests is completely
voluntary and the user therefore has a choice whether or not to disclose
this information. The requested information typically includes contact
information (such as name and shipping address), and demographic information
(such as zip code). Contact information will be used to notify the winners
and award prizes. Survey information will be used for purposes of monitoring
or improving the use and satisfaction of this site. Users’ personally
identifiable information is not shared with third parties unless we give
prior notice and choice. Though we may use an intermediary to conduct
these surveys or contests, they may not use users’ personally identifiable
information for any secondary purposes.
Tell-A-Friend
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If a user elects to use our referral service for informing a friend about
our site, we ask them for the friend’s name and email address. OnlineMortgageCE
will automatically send the friend a one-time email inviting them to
visit the site. OnlineMortgageCE does not store this information.
Chat Rooms, Message Boards, and Public Forums
Please keep in mind that whenever you voluntarily disclose personal
information online - for example on message boards, through e-mail, or
in chat areas - that information can be collected and used by others.
In short, by posting personal information online that is publicly accessible,
you may receive unsolicited messages from other parties in return.
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This website takes every precaution to protect our users’ information.
When users submit sensitive information via the website, their information
is protected both online and off-line. When our registration/order form
asks users to enter sensitive information (such as credit card number),
that information is encrypted and is protected with the best encryption
software in the industry - SSL. While on a secure page, such as our order
form, the lock icon on the bottom or top of Web browsers such as Netscape
Navigator and Microsoft Internet Explorer becomes locked, as opposed
to un-locked, or open, when users are just ‘surfing’. While we use SSL
encryption to protect sensitive information online, we also do everything
in our power to protect user-information off-line. All of our users’ information,
not just the sensitive information mentioned above, is restricted in
our offices. Only employees who need the information to perform a specific
job (for example, our billing clerk or a customer service representative)
are granted access to personally identifiable information. Our employees
must use password-protected screen-savers when they leave their desk.
When they return, they must re-enter their password to re-gain access
to user information. Furthermore, ALL employees are kept up-to-date on
our security and privacy practices. If users have any questions about
the security at our website, users can send an email by clicking Contact
at the bottom of our website.
Correcting/Updating/Deleting/Deactivating Personal Information
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If a user’s personally identifiable information changes (such as zip
code, phone, email or postal address), or if a user no longer desires
our service, we provide a way to correct, update or delete/deactivate
users’ personally identifiable information. This can be done contacting
Customer Support using the information listed below.
Notification of Changes Terms and Use / School Rules / Refund Policy
/ Privacy Information
If we decide to change our privacy policy, we will post those changes
to this privacy statement, the homepage, and other places we deem appropriate
so our users are always aware of what information we collect, how we
use it, and under what circumstances, if any, we disclose it.
If, however, we are going to use users’ personally identifiable information
in a manner different from that stated at the time of collection we will
notify users via email, or by posting a notice on our website for 30
days.
Contact Information
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If users have any questions or suggestions regarding our privacy policy,
please contact us at:
Phone: 551-404-5341
Email us below by clicking Contact
Us
Postal Address: 34 Anderson Hill Road, Newton, New Jersey 07860
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