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Privacy Policy
The Loan Originator Training Program takes your privacy
seriously. Please feel free to review our Privacy Policy:
Because we want to provide you with the most efficient and enhanced service, we
may request information about you. However, we will not offer any information
about you to any outside company or individual unless we receive your prior
consent.
About this Privacy Policy
This Privacy Policy covers The Loan Originator Training Program’s treatment of
personally identifiable information that The Loan Originator Training Program
collects when you are anywhere on The Loan Originator Training Program sites,
and when you use any of The Loan Originator Training Program’s services.
This policy does not apply to the practices of companies, schools, or other
organizations that The Loan Originator Training Program does not own or control,
or to people that The Loan Originator Training Program does not manage or
employ. The Loan Originator Training Program contains several links to other
sites and The Loan Originator Training Program is not responsible for the
privacy practices or the content of those sites.
Information We Collect and Track
General Usage Information. The Loan Originator Training Program collects
information about all users collectively, such as what areas users visit and
what services members use. This data is automatically retrieved. This type of
general information is not used to identify specific users, but in an aggregate
form to help us analyze traffic patterns and enhance our service to better serve
our users and advertisers.
The Loan Originator Training Program Registration. When you register at The Loan
Originator Training Program, we ask for personal information from you (name,
email, gender, etc.). Once you login to our services with your member ID and
password (that identifies your registration data), you are not anonymous to us.
Both General Usage Information and any personal details you provide to us is
used to enhance and customize content, identify (and in some cases validate) you
when you post content, join or teach a class, or access any of our
member-privileged services.
Creating, Joining, Taking, or Using our Virtual Classroom Software. When you
create, join, take, or use our Virtual Classroom Software, you are not anonymous
to us, the instructor(s) within the class, or the student(s) within the class
you have enrolled or created. Personally identifiable information about you such
as your The Loan Originator Training Program member ID, your first and last
name, and your email address is made available to fellow class participants
within the class you have joined or created. This information is released and
shared with your fellow classmates to better enhance your online education and
to promote free and open inquiry, and to hold class participants personally
responsible for their work within the online class. We are not responsible of
how fellow class participants (instructors and/or students) decide to use this
information about you.
What We Do with Collected Data
Data collected from The Loan Originator Training Program members (people who
have filled out our registration form and logged in) is used to identify the
member in order to allow that member to join or create classes and to give the
power to that member to delete classes he/she may have created, or remove
him/herself from participating in a class. Information we gather and collect
about anonymous users and members logged into our service is also used to
provide you with content that may be of interest to you or relevant to your
needs. Additionally, we may show advertisements to you that are relevant to your
demographic information. The Loan Originator Training Program requires revenue
from advertising in order to provide you with free services. In order to help
enhance the effectiveness of online ads, The Loan Originator Training Program
may provide advertisers with general demographic information on an aggregate
basis (but no personal information that would identify you would be disclosed to
another company).
Data on your activity within the Virtual Classroom is provided to the
instructor(s) of the class you are taking or teaching. This data includes your
member ID, page(s) accessed, date and time of accessing pages, and the type of
web browser you are using. This data is only released to the instructor, and not
to other people or companies. We do not release any data to the instructor that
would pose a potential security threat to our service (we do not and will not
release ip addresses or "cookies"). The Loan Originator Training Program
considers the instructor the owner of the content and activity within the
Virtual Classroom, and as a service to the instructor and to better promote
online education, we provide logs of class activity to the instructor of the
class to help him/her better improve his/her intellectual environment, to better
understand traffic flow, and to determine the level of class participation by
individuals students. While The Loan Originator Training Program does not sell
or give its member list to other persons or companies, it is important to note
that (if you choose to use our Virtual Classroom software) fellow class
participants may obtain some identifiable information about you.
A Note About Cookies
A "cookie" is a small piece of information sent by a web server to store on a
web browser so it can later be read back from that browser. This is useful for
having the browser remember some specific information and to help maintain
"state". A cookie can't read data off your hard disk or read cookie files
created by other websites. The Loan Originator Training Program may use cookies
to help identify you when you visit our site. All of our member-privileged
services require the use of cookies, but our public sites do not. For example,
our homepage, schools, departments, and viewing of all public information does
not require cookies, whereas joining or creating a class will require the use of
a cookie.
Sharing of Information We Collect
We do not share any of the information we collect about individual users with
outside companies or people not employed at The Loan Originator Training
Program. However, we may share some general demographic information about The
Loan Originator Training Program visitors collectively with advertisers or
partners, but nothing that is personal or identifiable to an individual. If you
use our service as an expert, information such as your name, your expertise, and
your resume may be available to the general public. The Loan Originator Training
Program is not responsible for information you choose to make public on its web
sites, and if you do not want this information to be public, select to use this
service "as a student" in the "Manage Interests" area or the "Edit Profile"
area. It is equally important to note that if you choose to use our Virtual
Classroom software (by either creating, teaching, jonining, or using one or any
of our online classes) some personally identifiable information is released
about you to class participants. This information is limited to your first and
last name (the name you entered when you signed up on The Loan Originator
Training Program), email address, and your UnviersalClass member ID. As
mentioned previously, any activity you do within the Virtual Classroom is made
available to the instructor in table-formatted logs. This information is only
released to the instructor(s) of the classroom to better help the instructor(s)
determine traffic flow and individual student participation. We consider
instructors owners of their online class and class activity, and so we provide
them with this information in the spirit of promoting and enhancing education
online. This information is not released to other individuals or companies, and
we are not responsible for how the instructor decides to use this information.
Selecting a Public Profile
If you decide to create or update your profile to be "public" then your areas of
expertise, your full name, and any other information you may have submitted
about yourself will be made public to The Loan Originator Training Program
members, as well as the Internet, and as well as the general public. By making
your profile "public" you completely accept that personal information about
yourself is no longer made private and you are no longer considered "anonymous".
Our Commitment to Children's Privacy
Protecting the privacy of the very young is extremely important to us. For
this reason, we never collect or maintain information at our website from anyone
who identifies themselves as being under the age of 13. Our website is not
constructed in any way, shape, or form to attract anyone under the age of 13.
The Loan Originator Training Program is an adult service for adult learners.
How You Can Access or Correct Your Information
If you have registered on the The Loan Originator Training Program service as a
The Loan Originator Training Program member, you have access to your personally
identifiable information. You can update or correct this information under "My
The Loan Originator Training Program" by clicking on the link "Edit Profile".
Your profile is unique and secured by your The Loan Originator Training Program
Member Id and Password.
Our Commitment to Data Security
The Loan Originator Training Program has taken several security measures in
order to protect the information under our control. All personal information we
collect is stored on machines owned by The Loan Originator Training Program at a
secured location in order to ensure that no unauthorized individuals have access
to the equipment or its data.
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