NMLS Approved Provider #1405125
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Refund policy

Policies

Refund policy

When refunds are available for pre-licensing and continuing education courses, and how to request one.

Effective

June 11, 2026

Version

1.0

Prepared for

CSBS / NMLS compliance

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1.1

Purpose

Locked in Learning, LLC d/b/a LockedIn Learning is committed to delivering high-quality NMLS-approved mortgage education. This Refund Policy sets forth the terms and conditions under which refunds may be issued for Pre-Licensure Education (PE) and Continuing Education (CE) courses purchased through our online platform. This policy is established in compliance with CSBS/NMLS education provider requirements.

1.2

General refund eligibility

Refund eligibility is determined based on the type of course purchased and the student’s level of course engagement at the time the refund request is submitted. The following general rules apply:

  • Refunds will only be issued to the original payment method used at the time of purchase.
  • Refund requests must be submitted in writing to the Company via email or the Company's designated support portal.
  • The Company will process all eligible refund requests within ten (10) business days of approval.
  • Refunds will not be issued for courses where the student has received a certificate of completion.
  • Processing fees charged by third-party payment processors are non-refundable.

1.3

Pre-licensure education (PE) courses

The following refund schedule applies to NMLS-approved Pre-Licensure Education courses:

Full Refund (100%):

  • A full refund will be issued if the student requests cancellation within three (3) calendar days of purchase AND has not accessed or begun any course content.

Partial Refund (50%):

  • A 50% refund will be issued if the student requests cancellation more than three (3) days but no more than seven (7) days after purchase, provided the student has accessed but completed less than 25% of the course content.

No Refund:

  • No refund will be issued if the student has completed 25% or more of the course content.
  • No refund will be issued after fourteen (14) calendar days from the date of purchase, regardless of course progress.
  • No refund will be issued if NMLS credit has already been reported on the student's behalf.

1.4

Continuing education (CE) courses

The following refund schedule applies to NMLS-approved Continuing Education courses:

Full Refund (100%):

  • A full refund will be issued if the student requests cancellation within two (2) calendar days of purchase AND has not accessed any course content.

No Refund:

  • No refund will be issued once the student has accessed any CE course content.
  • No refund will be issued after seven (7) calendar days from the date of purchase, regardless of course access or progress.
  • No refund will be issued once NMLS CE credit has been reported.

Important: Due to the time-sensitive nature of NMLS annual CE requirements and the risk of credit reporting, CE course refunds are more limited than PE course refunds.

1.5

Course bundle and package refunds

For course bundles or multi-course packages, refunds are calculated on a per-course basis according to the schedules set forth in Sections 1.3 and 1.4. Courses within a bundle that have been accessed or completed are not eligible for refund, even if other courses in the bundle remain unstarted.

1.6

Technical failures and platform issues

If a student is unable to access or complete a course due to a documented technical failure on the part of the Company’s platform—and the failure cannot be remediated within five (5) business days—the student will be entitled to:

  • A full refund of the course fee; or
  • Transfer of enrollment to an equivalent course at no additional charge, at the student's election.

Technical issues attributable to the student’s own hardware, software, or internet connection do not qualify for a refund under this provision. Students experiencing technical difficulties should contact the Company’s support team promptly for assistance.

1.7

Employer-sponsored enrollments

For courses paid by an employer or third-party sponsor, refund requests must be submitted by the sponsoring entity in writing. Refunds for employer-sponsored enrollments will be issued to the sponsoring employer, not to the individual student, unless the employer provides written authorization directing otherwise.

1.8

How to request a refund

To request a refund, students must:

  • Submit a written refund request to the Company at info@lockedinlearning.com
  • Include the student's full legal name, NMLS ID, course name, date of purchase, and reason for the refund request
  • Submit the request within the applicable refund window as specified in this policy

The Company will acknowledge receipt of refund requests within two (2) business days and will communicate the refund determination within five (5) business days of receipt. Approved refunds will be processed within ten (10) business days of approval.

1.9

Non-refundable items

The following are non-refundable under all circumstances:

  • Courses for which a certificate of completion has been issued
  • Courses for which NMLS credit has been reported
  • Third-party payment processing fees
  • Administrative fees (e.g., expedited certificate processing, transcript fees)
  • Promotional or discounted courses where the refund restriction was disclosed at the time of purchase

1.10

Policy updates

This Refund Policy is subject to change. Updates will be posted to the Company’s website with a revised effective date. The policy in effect at the time of a student’s purchase will govern that transaction.

Refund requests and questions should be directed to: info@lockedinlearning.com or (801) 609-4697

Refund policy · Version 1.0 · Effective June 11, 2026