Effective date: September 25, 2025
These Terms govern your use of NMLS Practice (“App”), provided by Michael Scott (“we,” “us,” or “our”). By using the App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the App.
You must be the age of majority in your jurisdiction to use the App. If the App offers user accounts, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
We grant you a limited, revocable, non-transferable, non-exclusive license to use the App for personal, non-commercial study purposes only, subject to these Terms and the applicable App Store terms.
The App provides educational and exam-preparation content only. It does not provide legal, financial, or professional advice and is not affiliated with, endorsed by, or an official product of the NMLS, SAFE Act, CFPB, or any state or federal regulatory agency. Exam content, laws, and regulations may change at any time. Passing the NMLS SAFE Mortgage Loan Originator exam is not guaranteed.
You agree not to misuse the App, including but not limited to: attempting to bypass security, reverse engineering, scraping or copying substantial portions of content, using the App for unlawful purposes, or infringing on the rights of others. We may suspend or terminate access for violations.
The App and all associated content, designs, text, questions, explanations, trademarks, and materials are owned by us or our licensors and are protected by intellectual property laws. You may not copy, distribute, sell, sublicense, or create derivative works without prior written permission.
You retain ownership of content you submit or create within the App (such as notes or study preferences). You grant us a limited license to process such content solely for the purpose of operating and improving the App. You agree not to submit content that violates laws or third-party rights.
The App may rely on or integrate third-party services (such as Apple in-app purchases or analytics providers). Those services are governed by their own terms and privacy policies. We are not responsible for third-party services.
The App is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free operation.
To the extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages, including loss of data, profits, or exam outcomes, arising from or related to your use of the App.
You agree to indemnify, defend, and hold us harmless from any claims, damages, losses, or expenses arising out of your misuse of the App or violation of these Terms.
You may stop using the App at any time. We reserve the right to suspend or terminate access if you violate these Terms. Provisions that by their nature should survive termination will survive.
We may update these Terms from time to time. The updated version will be posted with a revised effective date. Continued use of the App after changes constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles, unless your local law requires otherwise.
Email: [email protected]