Privacy & Security
Thank you for doling business with ReverseMortgageTrainingSolutions.com. Our company values and respects the privacy of all our customers. The information we collect is used to improve the shopping experience of our customers as well as to tell you about our latest products, specials, promotions and other news and services we offer to our customers. To fulfill your online order, we need your address, phone and credit card info when appropriate. Please remember that we've done our best to ensure the privacy and security of your transactions. Your credit card number and other personal data will be treated with the highest standards of security and confidentiality. Reverse Mortgage Training Solutions will not rent or sell any information about our customers to anyone.

Secure Shopping
Orders placed on our site are encrypted using SSL technology, the industry-standard authentication and encryption technology. This ensures that your transactions are protected. With SSL implemented on both the client and server, information transmitted over the internet will remain unaltered and secure. In order for SSL security to work, you must use an SSL enabled browser. Most Netscape and Explorer browsers, version 3.x and later, support SSL. If you have any concerns about placing your order online, please order by phone.

Please note that email is not encrypted, and therefore NOT a secure means of transmitting credit card information. Reverse Mortgage Training Solutions will NEVER request sensitive information over email.

RMTS Refund Policy

How Reverse Mortgage Training Solutions Uses Your Information
Information recorded in the Reverse Mortgage Training Solutions database is used internally during the normal course of our business. Examples of how we use your information are as follows:

- We will generate an email to you for order confirmation.
- We may use information about your purchases and interests to help us improve our Web site design.
- We may send emails to our customers related to new products, services, promotions or sales.

** PLEASE NOTE **
We will NOT sell, rent, or share your personal information with any other company under any conditions, or for any reason.

Correcting and Updating Personal Information
If any of your personally identifiable information changes please contact us by emailing us at support@ReverseMortgageTrainingSolutions.com so we may update your personal data.

Your Choice to Opt-Out
You have the opportunity to "opt-out". My Account information has an opt-out box. If you want to buy a product from us, but you do not want to receive future promotional emails or marketing material, you simply uncheck the box to opt-out of the group receiving such emails. You may also opt-out by emailing us at support@ReverseMortgageTrainingSolutions.com. You can also opt-out by clicking on the "unsubscribe" link within any email we send you.

Criminal Activity of Others
Our Privacy Policy states our standards in protecting your personal information. While we do everything in our power to protect your personal information, there may be factors, such as criminal activity, that may result in disclosure of your information. Therefore, we cannot guarantee the safety of your personal information, nor are we liable, acquired as a result of criminal activity.

Credit Card Security
At Reverse Mortgage Training Solutions, we do our best to provide a safe and convenient online shopping experience. We safeguard the integrity of our customers' credit card information. Protecting the safety of your credit card information is important to us. Furthermore, we use Secure Sockets Layer (SSL) technology to protect the security of your credit card information as it is transmitted to us. SSL is the gold standard in Internet encryption technology, which is a fancy way of saying that it's a highly sophisticated method of scrambling data as it travels from your computer to our website's servers. To make sure you are accessing our secure server before you submit personal financial information, look at the lower left-hand corner of your browser. If you see an unbroken key or a closed lock (depending upon your browser), then SSL is active. To double-check for security, look at the URL or Location line of your browser. If you have accessed a secure server, the first characters of the address in that line should change from "http" to "https." Some browser versions and some firewalls don't permit communication through secure servers like the ones we use to process orders. If someone steals your credit card information or uses your credit card in an unauthorized manner on our site contact your credit card company immediately.

Under the Fair Credit Billing Act, your bank or Credit Card Company cannot hold you liable for more than $50 of unauthorized or fraudulent charges on a credit card. Your liability for unauthorized use of a debit card may be higher, but most debit card issuers voluntarily apply the $50 limit to their cards as well.

If for any reason you cannot access the secure server, or you prefer to make your purchase via telephone, just give us a call at 916-719-4683. Your purchase request may also be sent via email to us at sales@ReverseMortgageTrainingSolutions.com).

Our business hours are from 9:00 AM to 9:00 PM (Eastern Standard Time) Monday through Friday. If we are unavailable when you call, please leave a message and one of our representatives will return your call. Our policy is to return all calls the same day if they are received before 3:00 PM EST. Otherwise, all calls will be returned within 24 hours.

Limitation of Liability
The information contained herein is deemed accurate and correct, but cannot be warranted against changes subsequent to the time of publication. This material is not intended or offered as legal, investment, real estate, insurance, tax, or other advice. The author and the publisher are not making, nor assuming, implicitly or explicitly, any capacity of representation or a fiduciary relationship. This material is offered for information purposes only and the reader uses this material assuming all risk upon themselves. The author and the publisher assume no liability for the use (or misuse) of the material contained in this web site, the publication, or any of the related materials.

Glossary of Terms

Cookies
A cookie is a small data file that many Web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited. But the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk, determine your email address, or read cookie files created by other sites. If you wish to prevent Web sites from setting cookies on your browser, you may set your browser to refuse cookies or to warn you before setting a cookie.

IP Address
When you are connected to the Internet, your computer has a unique Internet ID called an IP address. Most people that connect through a dial-up service, such as America Online, get a different IP address each time they login. Others might have a permanently assigned IP address, called a static IP address. It is difficult or impossible for a Web site to collect personal information about you (i.e., your name, email address, etc.) from your IP address alone, though it is easier if you have a static IP address.

Links to Other Web Sites
Reverse Mortgage Training Solutions will contain links to other sites that are not under our control. These Web sites have their own policies regarding privacy, which you should review when visiting them. We have no responsibility for linked Web sites and provide these links solely for our visitors.

Session ID
A unique ID is assigned each time someone visits an online store with a shopping basket system. Each store you visit will assign you a different ID. Many stores use a cookie to save your Session ID for re-use when you return to that same store. Most shoppers find it convenient that their shopping basket is maintained between visits but others find it objectionable and therefore turn cookies off.

SSL Encryption
A method by which information transmitted across the Internet is scrambled to the point where it's hard to decipher by anyone who should intercept the data before it reaches its destination. Most reputable online stores make use of SSL encryption to request credit card information and other sensitive data from their customers. Web pages where SSL encryption is activated are typically identified by a lock or key symbol displayed somewhere in your browser. Refer to your browser's documentation for the specific symbol and location.

Contacting Us
If you have any questions about this privacy statement, the practices of this site, wish to have information about you deleted, opt-out of mailings, or want to place an order via a method other than the Internet, you can contact us Monday through Friday Eastern Standard Time from 9:00 AM to 9:00 PM at: