These Terms & Conditions govern your use of the MLO Study Buddy website, products, digital materials, tutoring, classes, services, and related resources. By using our website or purchasing or accessing our products or services, you agree to these Terms & Conditions.
Educational Purpose
MLO Study Buddy provides educational and exam-preparation resources designed to help individuals prepare for the SAFE MLO Exam and related mortgage-industry topics. Our products and services are for educational purposes only.
MLO Study Buddy does not guarantee that any customer or student will pass an exam, obtain a license, secure employment, earn a particular income, or achieve any specific professional result.
No Affiliation With NMLS or Government Agencies
MLO Study Buddy is an independent exam-preparation and educational resource. Unless expressly stated otherwise, MLO Study Buddy is not affiliated with, endorsed by, or operated by the Nationwide Multistate Licensing System & Registry (NMLS), the Consumer Financial Protection Bureau (CFPB), or any federal or state government agency.
Purchases and Payment
Prices for products and services are displayed at the time of purchase and may change from time to time. By completing a purchase, you authorize the applicable payment processor to charge the payment method you provide.
You are responsible for providing accurate billing, contact, and account information.
Digital Product Access
Unless otherwise stated at the time of purchase, paid digital products are provided for the access period shown on the applicable product or checkout page. Some MLO Study Buddy digital products currently include one year of access.
Eligible expired products may be renewed at the renewal rate offered by MLO Study Buddy at that time. Eligibility and renewal pricing may vary by product.
Account Responsibility
You are responsible for maintaining the confidentiality of your login credentials and for activity conducted through your account. Accounts, course access, digital products, and purchased materials are intended solely for the individual purchaser unless MLO Study Buddy expressly authorizes otherwise.
Sharing account credentials or allowing another person to access purchased materials through your account is prohibited.
Intellectual Property & Copyright
All MLO Study Buddy content and materials, including but not limited to study guides, flashcards, audible flashcards, practice tests and questions, courses, videos, audio recordings, worksheets, workbooks, graphics, designs, written content, study systems, downloads, and other educational materials are protected by applicable copyright and intellectual property laws and are owned by MLO Study Buddy or used with permission from the applicable rights holder.
Your purchase or access provides you with a limited, personal, non-exclusive, non-transferable license to use the materials for your own individual educational purposes only.
Purchasing a product does not transfer ownership, copyright, or any other intellectual property rights in MLO Study Buddy materials to the purchaser.
Account sharing, distributing login credentials, sharing digital downloads, reproducing practice questions or study materials, or selling or distributing MLO Study Buddy content through websites, social media, study groups, file-sharing services, online marketplaces, or other platforms is prohibited.
Unauthorized use, copying, sharing, reproduction, distribution, or resale may result in suspension or termination of access without refund and may subject the responsible party to remedies available under applicable law.
Tutoring and Classes
Tutoring, study sessions, and classes are educational services. Availability, instructors, schedules, and content may change when reasonably necessary. Participation does not guarantee a passing exam score or any particular outcome.
Practice Questions and Exam Content
Practice questions and study materials are designed for educational preparation and are not represented as actual questions from a live licensing examination. Exam content, laws, regulations, requirements, and testing standards may change. Students remain responsible for reviewing current official licensing requirements.
Refunds
Purchases are subject to the MLO Study Buddy Refund Policy in effect at the time of purchase. Please review the Refund Policy before completing a purchase.
Acceptable Use
You may not use our website, products, accounts, or services for unlawful purposes; attempt to gain unauthorized access to our systems or another user's account; interfere with website operation; scrape, extract, or copy protected materials; or use MLO Study Buddy content in a manner that violates our intellectual property rights or the rights of others.
Third-Party Services
Our website may use or link to third-party platforms, payment processors, scheduling services, social-media platforms, applications, or other providers. We are not responsible for the availability, content, policies, or practices of third-party services.
Disclaimer of Warranties
To the extent permitted by law, our website, products, and services are provided on an “as is” and “as available” basis. We do not make warranties regarding uninterrupted availability, error-free operation, exam results, licensing outcomes, employment outcomes, or the accuracy of third-party information.
Limitation of Liability
To the fullest extent permitted by applicable law, MLO Study Buddy will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website, products, or services.
Changes to These Terms
We may update these Terms & Conditions periodically. The version posted on this website and the “Last Updated” date above will indicate the current terms. Continued use of our website or services after an update constitutes acceptance of the revised terms to the extent permitted by law.
Contact Us
If you have questions about these Terms & Conditions, please contact MLO Study Buddy through the Contact page on our website.
