Privacy Policy

1. Introduction

Welcome to NMLSApproved ("we," "our," or "us"). We are committed to protecting your privacy and providing a safe online experience. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website nmlsapproved.com, including any other media form, media channel, mobile website, or mobile application related or connected to NMLSApproved (collectively, the "Site").

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Site. By accessing or using our Site, you consent to the collection, use, and disclosure of information in accordance with this Privacy Policy.

We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates.

2. Information We Collect

We collect information about you in various ways when you use our Site. This information may include:

Personal Data

Personally identifiable information, such as:

• Your name, email address, and phone number when you register for an account
• Billing information, such as credit card details, when you subscribe to our premium services
• Profile information, when you create or update your account profile
• Information submitted through contact forms or support requests

Usage Data

Information about how you access and use our site, such as:

• IP address and browser type
• Device type, operating system, and device identifier
• Pages viewed, time spent on pages, links clicked
• Quiz results, performance metrics, and study patterns
• Referring website or source that led you to our site

User-Generated Content

Any content you actively provide when using our services, such as:

• Responses to quiz questions
• Feedback on questions or content
• Comments, reviews, or testimonials you choose to provide

Information from Third Parties

We may receive information about you from third parties, such as:

• Payment processors when you make a purchase
• Analytics providers
• Marketing partners

3. How We Use Your Information

We may use the information we collect about you for various purposes, including:

Providing and Improving Our Services

• To create and manage your account
• To provide you with the services and content you request
• To personalize your user experience and tailor content to your needs
• To track your performance and provide customized study recommendations
• To develop new features, products, and services
• To respond to your inquiries, comments, or support requests

Business Operations

• To process payments and manage subscriptions
• To send administrative information, such as updates about our services or changes to our terms
• To conduct analytics and gather insights to improve our Site and services
• To prevent fraudulent activities and enforce our policies

Marketing and Communications

• To send promotional content and newsletters if you have opted in to receive them
• To communicate special offers, events, or other information we think may interest you
• To measure the effectiveness of our marketing campaigns

We process your information based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.

4. Information Sharing and Disclosure

We may share your information in the following situations:

Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. These may include payment processors, data analytics providers, email delivery services, hosting services, customer service providers, and marketing partners.

Business Transfers

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider, your information may be transferred as part of such a transaction as permitted by law and/or contract.

Legal Requirements

We may disclose your information where we are legally required to do so to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena.

Vital Interests and Legal Rights

We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation in which we are involved.

With Your Consent

We may share your information with your consent or at your direction.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and store information about your interactions with our Site.

What Are Cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used to make websites work more efficiently and provide information to the owners of the site.

Types of Cookies We Use

• Essential Cookies: Required for the operation of our Site. They enable core functionality such as security, account authentication, and remembering your preferences.
• Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our Site. This helps us improve the way our Site works.
• Functionality Cookies: Used to recognize you when you return to our Site. This enables us to personalize our content for you and remember your preferences.
• Targeting Cookies: Record your visit to our Site, the pages you have visited, and the links you have followed. We may use this information to make our Site and the content displayed on it more relevant to your interests.

Other Tracking Technologies

We may also use web beacons (small graphic images), pixels, JavaScript, or similar technologies to track your use of our Site.

Your Cookie Choices

Most web browsers allow you to control cookies through their settings. You can typically delete existing cookies, block certain types of cookies, or set your browser to notify you when you receive a cookie. Please note that if you choose to block or delete cookies, some features of our Site may not function properly.

6. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

We employ the following security measures:

• Use of secure HTTPS protocol for all communication with our Site
• Encryption of sensitive information such as payment data
• Regular security assessments and vulnerability scanning
• Access controls for our systems and databases
• Employee training on security and privacy practices

We will make any legally required disclosures of any breach of the security, confidentiality, or integrity of your electronically stored personal information to you via email or conspicuous posting on the Site as promptly as possible and without unreasonable delay, consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

Access and Information

You have the right to request information about how we process your personal data and to obtain a copy of the personal data we hold about you.

Rectification

You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.

Erasure

You have the right to request that we delete your personal information in certain circumstances, such as when it is no longer necessary for the purposes for which it was collected.

Restriction of Processing

You have the right to request that we restrict the processing of your personal information in certain circumstances, such as when you contest the accuracy of the data.

Data Portability

You have the right to request that we provide you with your personal information in a structured, commonly used, and machine-readable format, and to transmit that data to another controller.

Objection

You have the right to object to the processing of your personal information in certain circumstances, such as for direct marketing purposes.

Automated Decision-Making

You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you.

How to Exercise Your Rights

To exercise these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request in accordance with applicable law.

8. Children's Privacy

Our Site is not intended for children under the age of 18. We do not knowingly collect, use, or disclose personal information from children under 18. If you are under 18, please do not provide any personal information on our Site. If we learn that we have collected personal information from a child under the age of 18, we will take steps to delete that information as quickly as possible.

If you believe that we might have any information from or about a child under 18, please contact us using the information provided in the "Contact Us" section below.

9. International Data Transfers

NMLSApproved is based in the United States, and we process and store information on servers located in the United States. If you are accessing our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information, in the United States and other countries.

If you are a resident in the European Economic Area (EEA) or the United Kingdom, these countries may not have data protection laws as comprehensive as those in your country. However, we take all necessary measures to protect your personal information in accordance with this Privacy Policy and applicable law.

By using our Site or providing us with any information, you consent to the transfer, processing, and storage of your information in the United States and other countries.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date at the top of this Privacy Policy. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes on our Site or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at: