1. Terms of Service

By registering for and using our website and related services (“Service”), you agree to be bound by these Terms of Service.

1.1 Service Description

We provide subscription-based access to study materials, tools, and resources for NMLS exam preparation.

1.2 Account Registration

• You must provide accurate information and keep it up to date.
• You’re responsible for maintaining the confidentiality of your password and account activity.

1.3 Subscriptions & Payments

• Access is granted via monthly or annual subscription plans.
• Automatic renewal applies at the start of each billing cycle.
• You can cancel anytime through your account dashboard.

1.4 Intellectual Property

All content (text, images, video, software) is owned by NMLSS or its licensors. You may not reproduce or distribute it without permission.

1.5 Changes to Terms

We may update these Terms at any time. We’ll notify you at least 15 days in advance of material changes.

1.6 Termination

We reserve the right to suspend or terminate your access if you violate these Terms, without limiting any other remedies.

1.7 Governing Law & Jurisdiction

These Terms are governed by the laws of USA & México. Disputes will be resolved in the courts of USA or México.

2. Privacy Policy

At nmlss-dev.com, we take your privacy seriously. Here’s how we collect, use, and protect your personal data.

2.1 Data We Collect

• Registration data: name, email address, organization (if applicable).
• Billing data: processed by Paddle; we do not store full card details.
• Usage data: login timestamps, course progress, metrics.

2.2 Purposes of Processing

• To manage your account and subscription.
• To personalize and improve the Service.
• To send you service updates and billing notifications.

2.3 Data Sharing

We do not sell or rent your data. We may share information with:

• Payment processors (Paddle).
• Analytics providers (e.g. Google Analytics) under strict confidentiality.

2.4 Security

We implement technical and organizational measures to safeguard your data against unauthorized access, loss, or alteration.

2.5 Your Rights

• Access, correct, or delete your personal data.
• Object to or restrict processing.
• Request data portability.

To exercise these rights, email us at support@nmlss-dev.com.

3. Refund Policy

Your satisfaction matters. If our Service doesn’t meet your expectations, the following applies:

3.1 Eligibility Window

You may request a full refund within 3 days of your initial subscription.

3.2 How to Request

1. Send an email to support@nmlss-dev.com with your name, email, and reason.
2. If approved, we’ll process the refund to your original payment method within 5–7 business days.

3.3 Exceptions

No refunds will be issued if:

• The 3-day period has expired.
• Downloaded or Copied Content.
• Suspicious Payment Disputes.
• Improper Account Use.