NMLS Approved Provider #1405125
Policies
The rules for every purchase and payment made through our website and learning platform.
Effective
June 11, 2026
Version
1.0
Prepared for
CSBS / NMLS compliance
All policies
1.1
Locked in Learning, LLC d/b/a LockedIn Learning (“Company,” “we,” “our,” or “us”) operates an online platform through which students enroll in and access mortgage industry education courses, including Pre-Licensure Education (PE) and Continuing Education (CE) courses approved by the Nationwide Multistate Licensing System & Registry (NMLS). This E-Commerce Policy governs all electronic transactions conducted through our website and learning management system (LMS).
This policy is established to ensure full compliance with CSBS/NMLS requirements for approved course providers and to protect the interests of our students and the integrity of our educational offerings.
1.2
Students may register for courses through the Company’s official website. The following procedures govern all online enrollments:
1.3
The Company accepts the following forms of payment for online course enrollment:
All payment transactions are processed through a PCI-DSS compliant third-party payment gateway. The Company does not store full credit card numbers on its servers. All payment data is encrypted using industry-standard SSL/TLS technology during transmission.
Course fees are due in full at the time of registration unless an alternative billing arrangement has been pre-approved in writing by the Company. A receipt will be emailed to the student upon successful payment.
1.4
All course prices are listed in U.S. dollars and are subject to change without prior notice. Once a student has completed enrollment and payment, the price paid will be honored for that enrollment period.
Additional fees may apply for:
Applicable state or local taxes, if any, will be calculated and displayed at checkout prior to final payment confirmation.
1.5
Upon successful enrollment and payment confirmation, students will receive electronic access to their purchased course(s) within one (1) business day. Access is granted through the Company’s secure LMS portal.
Students are responsible for ensuring their devices meet minimum technical requirements to access and complete coursework. Recommended requirements include:
The Company makes reasonable efforts to maintain platform availability but does not guarantee uninterrupted access. Scheduled maintenance will be communicated in advance whenever possible. Technical difficulties of a student’s own making do not entitle the student to a refund or extension.
1.6
The Company will report completed PE and CE course credits to the NMLS on behalf of students in accordance with applicable NMLS reporting timelines and requirements. Students must ensure their NMLS Unique Identifier is accurately entered at the time of enrollment. The Company is not responsible for reporting errors resulting from inaccurate or incomplete student-provided information, although attempts to resolve the inaccurate information will be made.
Credit is reported only upon full completion of all required course components, successful passage of any required assessments, and verification of student identity as required by NMLS guidelines and shall occur within seven (7) calendar days of course completion. Incomplete courses will not be reported as completed.
1.7
The following activities are strictly prohibited and may result in immediate termination of course access, forfeiture of all fees paid, and reporting to the NMLS and/or applicable state regulatory authorities:
1.8
By enrolling in a course, students consent to receive electronic communications from the Company, including enrollment confirmations, payment receipts, course completion certificates, and administrative notices. Students are responsible for maintaining an active and accessible email address on file with the Company.
Electronic records of enrollment, payment, and course completion are maintained by the Company in accordance with applicable NMLS recordkeeping requirements. Students may request copies of their records by contacting the Company in writing.
1.9
LockedIn Learning is committed to making its online education platform accessible to all qualified students. Students who require accommodations due to a disability are encouraged to contact the Company prior to enrollment to discuss available options. Requests for accommodations will be evaluated on a case-by-case basis in accordance with applicable law.
1.10
This E-Commerce Policy and all transactions conducted through the Company’s online platform are governed by applicable federal law and the laws of the state in which the Company is domiciled. Any disputes arising from online transactions shall first be submitted to the Company in writing for good-faith resolution. If resolution cannot be reached, disputes may be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.
1.11
The Company reserves the right to update or modify this E-Commerce Policy at any time. Changes will be posted to the Company’s website and will become effective upon posting. Continued use of the Company’s online platform following any modification constitutes acceptance of the revised policy.
Questions regarding this policy should be directed to: info@lockedinlearning.com or (801) 609-4697
E-commerce policies and procedures · Version 1.0 · Effective June 11, 2026
