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Terms of Use

Welcome to CMPS Institute, LLC's ("we" or "US") Terms of Use ("Agreement") page. We own and operate the following site and the materials contained THEREon: www.CMPSInstitute.org ("Site"). THIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU. PLEASE READ THIS AGREEMENT IN ITS ENTIRETY. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, DO NOT USE THIS SITE. If you have any questions please feel free to contact us at 888-608-9800.

1. PRIVACY

The Privacy Policy contained on the Site is incorporated in this Agreement by reference, but this Agreement shall govern any conflict or inconsistency with such Privacy Policy. If you are under the age of 13 you may view the materials on this Site, but if you wish to enter into any transactions on or through this Site or otherwise participate in areas of this Site which require you to enter personal information, you may not do so without the consent of a parent or legal guardian.

2. PERMITTED USE AND RESTRICTION ON USE

PERMITTED USE The Site contains material which is derived in whole or in part from material supplied by us and other sources, and is protected by U.S. and international copyright, trademark and other applicable laws. You may download, use, modify and reproduce only those materials that you are invited to download and customize ("Customized Materials") from the Site for your individual use; provided, however, you will not provide the Customized Materials to any other person in a manner other than for which it was intended, including, without limitation, any person in the business organization in which you are employed.

RESTRICTIONS ON USE You may only access the Site if you have a fully paid membership; only the member is entitled to access the Site.  You agree not to sell, publish, distribute, retransmit or otherwise provide access to the Site or content received through the Site to anyone, including your fellow employees. You agree not to create abstracts from, scrape or display from our content for use on another web site or service.

You agree not to post any content from the Site to newsgroups, mail lists or electronic bulletin boards, without our written consent. To request consent for this and other matters, please contact admin@CMPSInstitute.org.  Except for the Customized Materials, no other materials (including but not limited to the text, images, audio and/or video) and no code or software (including but not limited to any images or files incorporated in or generated by the software or data accompanying such software) (collectively, the "Other Materials") (the Other Materials and the Customized Materials and all works delivered to you upon and in connection with your receipt of CMPS Institute certification are collectively the "Materials"), may be copied, reproduced, republished, uploaded, posted, publicly displayed, transmitted, or distributed in any way or decompiled, reverse engineered or disassembled or otherwise reduced to a human-perceivable form.

Modification of the Materials other than the Customized Materials or use of the Materials for any other purpose than online viewing is a violation of CMPS Institute's or such other sources' copyright, trademark and other proprietary rights. CMPS Institute grants you individually a limited license in the Materials during usage, but CMPS Institute does not transfer title to the Materials to you. You may own the medium on which the Materials are recorded, but CMPS Institute retains full and complete title to the Materials and all intellectual property rights therein.

You may not distribute any of the Materials to others, in a manner other than for which it was intended, including, without limitation, any person in the business organization by which you are employed or otherwise affiliated, whether or not for payment or other consideration, and you may not modify, copy, frame, cache, reproduce, sell, publish, transmit, display or otherwise use any portion of the Materials. The use of any such Materials on any other website or networked computer environment is prohibited.

You agree to abide by all applicable local, state, and federal laws, regulations, statutes, rules and ordinances, in connection with your use of the Site. Without limiting the foregoing, you shall not use the Site to: (a) send unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (b) harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses; (c) transmit or post unlawful, harassing, bigoted, racist, hateful, libelous, abusive, tortious, defamatory, threatening, harmful, invasive of another’s privacy, vulgar, obscene or otherwise objectionable material of any kind or nature or which is harmful to minors in any way; (d) transmit or post any material that may infringe the intellectual property rights or other rights of third parties, including trademark, trade secret, copyright or right of publicity; (e) transmit or post any material that contains software viruses or other harmful or deleterious computer code, files or programs such as Trojan horses, worms, time bombs and cancelbots; (f) interfere with or disrupt servers or networks connected to the Site or violate the regulations, policies or procedures of such networks; (g) attempt to gain unauthorized access to the Site or computer systems or networks connected to the Site through password mining or any other means; (h) harass or interfere with another user’s use and enjoyment of the Site; or (i) transmit or post, or promote the transmission or posting of, an illegal or unauthorized copy of another person’s work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devises, or providing pirated content or links to pirated content files. In addition, you agree not to use any device, software, or routine, including but not limited to any viruses, worms, time bombs, to interfere or attempt to interfere with the proper working of the Site, or to intercept any system, data or personal information from the Site, nor will you take any action that imposes an unreasonable or disproportionately large load on the Site’s infrastructure.

You, not CMPS Institute, shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness and copyright of all data you provide to CMPS Institute and/or enter into the Site. CMPS Institute shall not be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any data, or for any actions or omissions which CMPS Institute takes in reliance upon your data.

In the event that we distribute any open source software to you as part of the Site or Materials then such open source software is subject to the terms of the applicable open source license. There are no warranties provided with respect to any open source software and all implied warranties are disclaimed. In the event of any conflict between the terms herein and the applicable open source license with respect to any open source software, the terms of the applicable open source license shall control.

In the event that you cease to be a member in good standing with the CMPS Institute, your rights with respect to Materials and any designations or certifications shall automatically cease, and you shall not use the designation “Certified Mortgage Planning Specialist,” or any other CMPS Institute designation, you shall not make any use of any Materials, and you shall destroy any Materials in your possession.

3. YOUR ACCOUNT

If you use this Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Solely to enable CMPS Institute to use the information you supply us with, so that we are not violating any rights you might have in that information, you agree to grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable (through multiple tiers) right to exercise the copyright, publicity, and database rights you have in your information, all in any media now known or not currently known. CMPS Institute will only use your information in accordance with our Privacy Policy.

Transferring Membership

The CMPS Institute allows memberships to be transferred under the following circumstances only:
1. CMPS Institute memberships may only be transferred by uncertified members who have not taken the CMPS Institute exam. The Institute will verify that no exam has been taken.
2. Only the person or company who paid for the initial CMPS Institute membership is allowed to authorize a transfer of membership. For example, if a company paid for a member's membership and that member would like to transfer his membership to another person, CMPS Institute must receive permission from the original member's company for the transfer of membership.
3. All terms stay the same for the 'new' member (same expiration date, same requirements for when renewal is due, etc.)
4. The original CMPS Institute member is responsible for any exchange of curriculum and/or money from the new CMPS Institute member, if any.


4. MEMBERSHIP RENEWAL

After you become a registered Member, and after the initial membership period of one month or one year as the case may be, the CMPS Institute Institute automatically charges your credit card each renewal period at the then current membership renewal rate until you cancel your subscription by contacting our office either by phone, email, US mail or other transmission. Membership renewals are auto-charged on the monthly or annual anniversary of your purchase date.  If you cancel your membership prior to the next charge date, your membership will continue through the month and end on the day that coincides with the day of the month of your original registration date. 

Membership fees are not refundable for the initial membership period or any partial month in which a membership is cancelled.

Second and Subsequent Year Membership Continuing Education Requirement

In addition to paying the renewal fee, members must complete four (4) hours of approved Continuing Education (CE) material. The CMPS Institute has approved all of the material in the CMPS Institute Continuing Education Modules and the CMPS Institute curriculum for CE.

Length of Annual Membership Renewals:

Membership renewals for all annual memberships last for 12 months. All membership renewals will be billed 12 months after the due date of your last renewal.  Example: if you register in January of 2014, your membership will expire in January of 2015, regardless of when you pass the CMPS Institute exam.


5. COMMUNICATIONS/SUBMISSIONS

When you visit the Site or send e-mails to the Site, you are communicating with CMPS Institute electronically. You consent to receive communications from CMPS Institute electronically. CMPS Institute will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that CMPS Institute provides to you electronically satisfy any legal requirement that such communications be in writing. Any creative materials which you post on the Forums (as defined in Section 6 below) or transmit to the Site or CMPS Institute by electronic mail, telephone conference call, live or recorded interview, or otherwise, including creative suggestions, ideas, notes, drawings, concepts or other information, communications including any data, questions, comments, suggestions, or the like (collectively, the "Information") shall be, shall be deemed, and shall remain, the property of CMPS Institute.

None of the Information shall be subject to any obligation of confidence on the part of CMPS Institute and CMPS Institute shall not be liable to you or any third party for any use or disclosure of any Information. You hereby grant to CMPS Institute a non-exclusive license to use in perpetuity, throughout the universe, any now known or hereafter existing rights to the Information of every kind and nature, including without limitation, the right to use, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute or incorporate the Information for any purpose whatsoever, commercial or otherwise, without compensation to you, or the provider of the Information.


6. LINKED SITES

CMPS Institute is not necessarily affiliated with sites that may be linked to the Site ("Linked Sites") and is not responsible for their content. The existence of such links does not indicate any approval, endorsement or authentication of any material appearing on such linked sites or any association between CMPS Institute and their owners or operators. You assume sole responsibility for use of third party links.


7. FORUMS

The Site may include bulletin boards, chat rooms, e-mails or other forums ("Forums"). CMPS Institute is not responsible for any material posted on the Forums, and it is a condition of your use of the Forums and the Site that you shall not upload, transmit, distribute or otherwise publish through such Forums any content which: violates any law; libels; defames; is obscene; hateful; racist; harassing; vulgar; pornographic; abusive; threatening; profane or indecent, including images and language; infringes any intellectual property rights of a person or entity, including without limitation, violating a copyright or trademark or other proprietary right or derivative works with respect thereto; violates or infringes upon the rights of others, including material which is an invasion of privacy or publicity rights; in any way exploits any information; software or other material for commercial purposes or which contains advertising; promotion or marketing without the express written permission of CMPS Institute (if such consent is given, only pursuant to the terms and conditions designated in the written permission from CMPS Institute); is for the benefit of any business entity in which you have a direct or indirect financial interest without the express written permission of CMPS Institute (if such consent is given, only pursuant to the terms and conditions designated in the written permission from CMPS Institute); solicits gambling or engages in any gambling activity; contains a virus or other harmful component; advocates illegal activity; solicits any illegal act; uses the service for any purpose other than which it is intended; impersonates any person; or uses forged headers or other identifying information in a defamatory way. 

While CMPS Institute does not and cannot review every message posted by users in the Forums and is not responsible for the content of these messages, CMPS Institute reserves the right to delete, move, or edit messages that it, in its sole discretion, deems abusive, defamatory, obscene, in violation of copyright or trademark laws, or unacceptable as set forth herein, above or otherwise. You acknowledge that CMPS Institute reserves the right to, and may from time to time, monitor any and all information transmitted or received, for operational and other purposes. Your use of this Site constitutes consent to such monitoring. CMPS Institute will cooperate with any and all appropriate legal authorities in investigating claims of illegal activity, including, but not limited to illegal transfer or use of copyrighted material or other illegal activity. CMPS Institute reserves the right to immediately terminate its service to any customer for any violation of this Agreement.


8. TERMINATION AND FEES EARNED

TERMINATION BY CMPS INSTITUTE 
CMPS Institute reserves the right to terminate this Agreement for any reason whatsoever. CMPS Institute reserves the right to modify or discontinue this Site, or any portion thereof (including Forums) without notice to you or any third party.

TERMINATION BY YOU
You may terminate this Agreement upon notice to CMPS Institute. Upon termination, you must destroy all Materials obtained from this Site and all copies thereof, whether made under the terms of this Agreement or otherwise. You may maintain copies of Materials previously used by you for archival purposes and you agree not to use any Materials on a go forward basis. In the event of termination, you are no longer authorized to access the Site or any portion thereof. The restrictions imposed on you with respect to Materials downloaded from the Site, your indemnity and all disclaimers and limitations of liabilities set forth in this Agreement shall survive the termination of this Agreement.

NO REFUNDS
Due to the nature of the Site, our delivery and disclosure to you of Materials by CMPS Institute, and your personal commercial use thereof, the annual fee to CMPS Institute is truly earned on upon commencement of your access to the Site. As a result, there will be no refunds, in whole or in part.


9. CONTINUITY OF SERVICE

CMPS Institute makes every effort to keep its service up and running. However, CMPS Institute cannot and will not guarantee 100% uptime of our service and operation of the Site may be interfered with by numerous factors outside of our control. In no event shall CMPS Institute be liable for any disruption of service.


10. DISCLAIMERS AND LIMITATIONS ON LIABILITY

Your receipt of CMPS Institute certification, use of the CMPS Institute certification mark, use and browsing of the Site is entirely at your own risk. If you are dissatisfied with the CMPS Institute certification or your use of the CMPS Institute certification mark, the Site, any of the Materials contained in the Site including, without limitation, the conference calls and other CMPS Institute communications, voicemails, and electronic transmittals to members, this User Agreement or if the Site is not functioning to your expectations, your sole and exclusive remedy is to discontinue accessing and using the Site and to renounce CMPS Institute certification, and use of the CMPS Institute certification mark. Please see Section 8 above regarding CMPS Institute's refund policy.

This Site is designed to provide accurate and authoritative information in regard to mortgage planning and real estate investment. The content within this Site does not purport to consider or analyze all the body of issues that may surround the various aspects of mortgage planning and real estate investment. In addition, the mortgage loan origination business is subject to extensive regulation, including but not limited to the Real Estate Settlement Procedures Act ("RESPA"). CMPS Institute is not providing, nor should any content provided on or through the Site, be regarded or deemed to be any advice regarding compliance with any applicable laws or regulations, including RESPA.

Neither the publisher nor the authors of this Site are engaged or intend to engage in rendering legal, accounting or any other professional services. This Site, any content therein, and any other external hyperlinks referenced in this site are offered for informational purposes only. Information given here should not be substituted for sound counseling by a qualified attorney or other professional person. CMPS Institute contains facts, views, opinions, statements and recommendations of third party individuals and organizations. CMPS Institute does not represent or endorse the accuracy, correctness or reliability of any advice, opinion, statement or other information displayed, uploaded or distributed through the Site.

You should regard statements as non-factual in nature to constitute current opinions, which are subject to change. With respect to statements factual in nature, including information regarding the past performance of investments or with respect to historical data regarding interest rates, you should be aware that past performance is no guarantee of future results and the historical information that may be provided does not predict future activity. Any reliance upon any such opinion, advice, statement or information is at your sole risk. Without limiting the generality of the foregoing, CMPS Institute is not qualified or authorized to give legal advice, including but not limited to investment and regulatory advice or securities recommendations. If you wish to obtain investment advice or securities recommendations, you should consult a licensed investment adviser or securities dealer. You should not regard any comment or expression of opinion of any person provided on the Site or otherwise to the members as legal advice or securities recommendations nor should you act upon any investment advice given or securities recommendations made to you by a person who is not qualified or licensed to give such advice or to make such recommendations (including CMPS Institute).

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL CMPS INSTITUTE, ITS PARENTS, SUBSIDIARIES, AFFILIATES AND THEIR RESPECTIVE MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING, WITHOUT LIMITATION, LOST PROFITS), INDIRECT OR PUNITIVE DAMAGES ARISING OUT OR RELATED TO OF YOUR CMPS INSTITUTE CERTIFICATION, USE OF THE CMPS Institute CERTIFICATION MARK, ACCESS TO, USE OF OR INABILITY TO USE, THE SITE, EVEN IF CMPS INSTITUTE WAS ADVISED BEFORE HAND OF SUCH POSSIBILITY.

CMPS INSTITUTE DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM CMPS INSTITUTE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CMPS INSTITUTE IS NOT RESPONSIBLE OR LIABLE FOR ANY DAMAGES TO, OR INFECTIONS OR CONTAMINATION OF YOUR SYSTEM, COMPUTER, EQUIPMENT, OR OTHER PROPERTY, OR DELAYS, INACCURACIES, ERRORS, OR OMISSIONS ARISING OUT OF YOUR USE OF THE SITE OR WITH RESPECT TO THE MATERIAL CONTAINED ON THE SITE WHETHER THE MATERIAL IS PROVIDED OR OTHERWISE SUPPLIED BY CMPS INSTITUTE OR ANYONE ELSE. IN NO EVENT SHALL CMPS INSTITUTE'S TOTAL LIABILITY FOR ALL LOSSES, DAMAGES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT INCLUDING BUT NOT LIMITED TO NEGLIGENCE OR OTHERWISE) EXCEED THE ANNUAL AMOUNT PAID BY THE ACCOUNT HOLDER, FOR ACCESSING THE SITE.

THE SITE AND ALL MATERIALS CONTAINED ON IT ARE DISTRIBUTED AND TRANSMITTED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.  THE ENTIRE RISK AS TO THE QUALITY, ACCURACY, ADEQUACY, COMPLETENESS, CORRECTNESS AND VALIDITY OF ANY MATERIAL RESTS WITH YOU. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES.

IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. NEITHER WE NOR OUR MEMBERS, OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR PROVIDERS TAKE ANY RESPONSIBILITY OR ASSUME ANY LIABILITY FOR ANY CONTENT UPLOADED OR OTHERWISE TRANSMITTED BY YOU OR ANY THIRD PARTY, OR FOR ANY MISTAKES, DEFAMATION, SLANDER, LIBEL, OMISSIONS, FALSEHOODS, OBSCENITY, PORNOGRAPHY, INDECENCY, LEWDNESS, HARASSMENT, THREATS, ABUSE, OR PROFANITY YOU MAY ENCOUNTER IN USING THE SITE. YOU AGREE TO HOLD HARMLESS US AND OUR MEMBERS, OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AND PROVIDERS, AND THE PARTIES WITH WHOM WE HAVE CONTRACTED FOR PURPOSES OF HOSTING OR MAINTAINING THIS SITE FROM ALL CLAIMS BASED UPON COMMUNICATIONS, MATERIALS OR CONTENT UPLOADED OR OTHERWISE TRANSMITTED BY YOU ON THE SITE.

CMPS Institute cannot ensure that you will be satisfied with CMPS Institute certification, your use of the CMPS Institute certification mark, or any products or services that may be advertised on the Site or that you may purchase from a third-party site that may be on, or linked to or from the Site, since such product or services may be owned and operated by independent retailers. CMPS Institute has not taken any steps to confirm the accuracy or reliability of any of the information contained in such advertisements or third-party sites. CMPS Institute does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you hereby irrevocably waive any claim against CMPS Institute, its affiliated companies, affiliates and their respective directors, officers, employees and agents with respect to such sites. CMPS Institute strongly encourages you to make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties.


11. INDEMNIFICATION

You agree to defend, indemnify and hold harmless CMPS Institute, its parents, subsidiaries, affiliates and their respective directors, officers, employees and agents from and against any and all threatened or actual claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys fees) arising out of or accruing from: (a) any Materials posted or otherwise provided by you that infringe any copyright, trademark, trade secret, trade dress, patent or other intellectual property right of any person or defames any person or violates their rights of publicity or privacy, (b) any misrepresentation made by you in connection with your use of the Site or reliance by you on any Materials contained on the Site; (c) any non-compliance by you of the CMPS Institute Terms of Use and/or the CMPS Institute Code of Ethics; and (d) claims brought by third persons or arising from or related to your use of CMPS Institute certification marks, your status as a Certified Mortgage Planning Specialist, and your access and use of the Site, including the Information or Materials obtained through the Site.


12. COPYRIGHT

All works, information, content, services and software displayed on, transmitted through, or used in connection with this Site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of CMPS Institute and protected by United States and international copyright laws. The compilation of all content on this Site is the exclusive property of CMPS Institute and protected by U.S. and international copyright laws. All software used on this Site is the property of CMPS Institute or its software suppliers and is protected by United States and international copyright laws. CMPS Institute respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please see DMCA Policy below.


13. TRADEMARKS

The Site includes the trademarks of CMPS Institute, LLC. You may not use our trademarks in connection with any product or service that is not authorized by us or in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits us. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of the Site so long as the link does not portray CMPS Institute, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive manner and provided that you agree to cease such link upon request from CMPS Institute. You may not use any CMPS Institute logo or other proprietary graphic or trademark as part of the link without express written permission. Upon your satisfaction upon all the criteria necessary to qualify you for CMPS Institute certification, we grant to you a non-exclusive right to use the CMPS Institute certification mark in the United States only to identify yourself as a recipient of certification by CMPS Institute. This non-exclusive right applies only as long as you remain an active member with CMPS Institute by adhering to the CMPS Institute membership renewal requirement and continuing education policies outlined above.  You may not transfer, sublicense or assign this license. CMPS Institute reserves the right to inspect any promotional matter you create and use that displays the CMPS Institute certification mark. If CMPS Institute instructs you to discontinue use of any such matter, you must promptly comply.


14. ASSIGNMENT

You may not assign your rights or obligations arising under this Agreement without CMPS Institute's prior written consent. Any other assignment shall be null and remain void. CMPS Institute may assign this Agreement or its rights and obligations hereunder, without restriction.


15. ADDITIONAL TERMS

The following policies are incorporated into this Agreement by reference and provide additional terms and conditions related to specific services offered on this Site: PRIVACY POLICY  

Each of these policies may be changed from time to time and are effective immediately after CMPS Institute posts the changes on this Site. In addition, when using particular services on this Site, you agree that you are subject to any posted policies or rules applicable to services you use through this Site, which may be posted from time to time. All such posted policies or rules are hereby incorporated by reference into this Agreement. This Agreement and any other posted operating rules constitutes the entire agreement between the parties with respect to the subject matter contained herein and supersedes all previous and contemporaneous agreements, proposals and communications, written or oral, between CMPS Institute representatives and you.


16. AMENDMENT OF AGREEMENT

CMPS Institute may amend this Agreement from time to time on an as-needed basis by placing an update of this Agreement online at this Site at this location or at any other location designated at said Site. Any changes to this Agreement take effect upon posting to the Site. If you do not agree with any changes of the terms and conditions of CMPS Institute, you must immediately cease the use of CMPS Institute's service.


17. NOTICES

All notices shall be sufficient in all respects if given in writing and delivered by commercial courier providing proof of delivery and addressed as follows: CMPS Institute, LLC, Attn: Legal Affairs 3000 Old Alabama Rd., Suite 119-477, Alpharetta, GA, 30022 and to the email address you provided to CMPS Institute during the registration process (in your case). Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address provided to CMPS Institute during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.


18. MISCELLANEOUS

The Site is controlled and operated by CMPS Institute, LLC from its offices located at 3000 Old Alabama Rd., Suite 119-477, Alpharetta, GA 30022. CMPS Institute makes no representations or warranties that Materials in this Site are appropriate or available for use in or from other locations. Those who choose to access this Site from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. This Agreement will be governed, construed and enforced in accordance with the laws of the United States of America and the State of Georgia, without regard to its principles of the conflict of laws. Any and all litigation arising from or relating to this Agreement or the Site or the Content, the products and services offered and described thereupon will be filed and prosecuted before any court of competent subject matter jurisdiction in the State of Georgia. 

The parties hereto consent to the jurisdiction of such courts over them, stipulate to the convenience, efficiency and fairness of proceeding in such courts, and covenant not to allege or assert the inconvenience, inefficiency or unfairness of proceeding in such courts. The parties further agree to the service of process by overnight courier or electronic means, including without limitation, e-mail. If any provision of this Agreement will be found by a court to be void, invalid or unenforceable, such provision will be reformed so as to as nearly as possible approximate the original provision and to comply with applicable law, or stricken if not so conformable, so as not to affect the validity or enforceability of this Agreement. You and CMPS Institute are independent contractors, and no agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by this Agreement. CMPS Institute's failure to act with respect to a breach by you or others does not waive CMPS Institute's right to act with respect to subsequent or similar breaches.

BOTH PARTIES REPRESENT AND WARRANT THAT THEY HAVE FULL POWER (INCLUDING CORPORATE POWER) AND AUTHORITY TO EXECUTE AND DELIVER THIS AGREEMENT AND TO PERFORM THEIR OBLIGATIONS HEREUNDER, AND THAT THE PERSON (AND COMPANY, IF APPLICABLE) WHO ACCEPTS THIS AGREEMENT BY CLICKING THE APPROPRIATE BUTTON ON THE CMPS Institute CLIENT LOG-IN PAGE IS DULY AUTHORIZED TO ENTER INTO THIS AGREEMENT ON BEHALF OF THE PARTY.

CMPS Institute Institute uses Rackspace to host the servers through which it provides the Site. You shall comply with the Rackspace “Acceptable Use Policy” located at http://www.rackspace.com/information/legal/global/aup, as it may be amended. In addition, Rackspace shall implement reasonable and appropriate technical and organizational measures to protect the Site against unauthorized access. You acknowledge and agree that such measures are those detailed at http://www.rackspace.com/information/legal/securitypractices.php, and that such procedures are commercially reasonable. Neither CMPS Institute Institute nor Rackspace makes any other representation regarding the security of the Site or your data.

You warrant that you shall process any personal data in compliance with all applicable data protection or privacy law. You shall implement those technical and organizational measures required by the applicable data protection and privacy laws relative to your use of the Site and the nature and the volume of the personal data stored on Site or processed through your use of the Site. You are responsible for providing any necessary notices to individuals and for obtaining any legally required consent from individuals in relation to our provision of the Site to you or your processing of any personal data. You are responsible for any losses or other consequences arising from your failure to implement reasonable security measures.



DMCA
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to our Designated Agent.

THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES (e.g., REQUESTS FOR TECHNICAL ASSISTANCE OR CUSTOMER SERVICE, REPORTS OF EMAIL ABUSE, AND PIRACY REPORTS), WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Written notification must be submitted to the following Designated Agent:
Name of Agent Designated to Receive Notification Of Claimed Infringement: NAME
Full Address of Designated Agent to Which Notification Should be Sent: ADDRESS
Telephone Number of Designated Agent: Phone
Facsimile Number of Designated Agent: Fax
Email Address of Designated Agent: Email

To be effective, pursuant to Title 17, United States Code, Section 512(c)(3)(A), the Notification must include the following: An electronic or physical signature of the owner or of the person authorized to act on behalf of the owner of the copyright interest;. A description of the copyrighted work that you claim has been infringed, and a description of the infringing activity including of where the material which you claim is infringing is located on the Site sufficient to allow us to locate the material; Identification of the location where the original or an authorized copy of the copyrighted work exists, for example the URL of the Site where it is posted or the name of the book in which it has been published, your address, telephone number, and e-mail address; A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and A statement by you made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.


19. MBS Data

MBS data is Copyright © 1999 - 2015, Thomson Reuters. All rights reserved. Thomson Reuters (Markets) LLC (“Thomson Reuters”) and its affiliates are referred to below as “Thomson Reuters”.

The “Information Product” is any data or service provided by Thomson Reuters. Thomson Reuters or its third party providers own and retain all rights, title and interest, including but not limited to copyright, trademarks, patents, database rights, trade secrets, know-how, and all other intellectual property rights or forms of protection of similar nature or having equivalent effect, anywhere in the world, in the Information Product and user is not granted any proprietary interest therein or thereto. The Information Product constitutes confidential and trade secrets of Thomson Reuters or its third party providers. Display, performance, reproduction, distribution of, or creation of derivative works or improvements from Information Product in any form or manner is expressly prohibited, except to the extent expressly permitted hereunder, or otherwise, with the prior written permission of Thomson Reuters.

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Privacy Policy


This Site is owned and operated by CMPS Institute. CMPS Institute has created this Privacy Policy to demonstrate its commitment to user privacy and online data security, and to communicate its online information gathering, use and dissemination practices for users of this Site. We encourage users to take time to read and understand this Privacy Policy, and to contact us if you have any questions or concerns with this Privacy Policy or anything you see or experience on this Site. This Privacy Policy is incorporated into and subject to the terms of the “Terms of Use” for this Site.

As described below, as part of the normal operation of our services, your information is collected by us, disclosed to third parties and used by third parties and us.  This Privacy Policy describes the information we collect about you and what may happen to that information.


What Personal Information About Customers Does CMPS Institute Gather?

Information You Give Us: We receive and store any information you enter on this Site or give us in any other way.  If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Site, we may collect such information into a file specific to you.

Automatic Information: We receive and store certain types of information whenever you interact with us, we use "cookies," and we obtain certain types of information when your web browser accesses CMPS Institute, such as Internet protocol addresses, the type of browser you use, the Internet domain from which you access the Site, and the pages you viewed and/or function you used while you were on the Site.  You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on this Site and you may be required to reenter your password more frequently during a session.

Protection of Information

CMPS Institute shall maintain the confidentiality of your information in the same manner in which it protects its own confidential information of like kind, but in no event shall CMPS Institute take less than reasonable precautions to prevent the unauthorized disclosure or use of your Identifiable Information.

CMPS Institute’s obligations under this Privacy Policy do not apply to any information or data that: (a) is not identifiable as yours; (b) is or becomes entirely in the public domain; (c) was known to CMPS Institute prior to its access to the information or data; (d) received lawfully from a third party through no breach of any obligation of confidentiality owed to you; and/or (e) created by CMPS Institute independently of its access to or use of your Identifiable Information.

CMPS Institute Shares the Information it Receives.

We use your information to facilitate the services you request.  We use information in the file we maintain about you, and other information we obtain from your current and past activities on this Site, to resolve disputes, troubleshoot problems and enforce our Terms of Use.

You agree that we may use personally identifiable information about you to improve our marketing and promotional efforts, to analyze Site usage, improve our content and product offerings, and customize the Site's content, layout, and services.

You agree that CMPS Institute may use your information to contact you and deliver information to you that, in some cases, are targeted to your interests and relevant to your use of the Site.

CMPS Institute may from time to time sell or rent personally identifiable information about you (e.g., your name, mailing address, certification status) to a third party.  We will not, however, share your email address. CMPS Institute may modify your Identifiable Information such that it is not identifiable as yours, and CMPS Institute may store, analyze, manipulate, aggregate, display, disclose, distribute, retain and otherwise use such unidentifiable information without restriction.

Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy.  CMPS Institute can (and you authorize us to) make the foregoing disclosures and transfers and to disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us or you to legal liability.  To the extent that we use third party advertisers, they adhere to their own privacy policies.

CMPS Institute offers you the ability to review and change the information you submit to CMPS Institute by logging into the Site and entering in the new information yourself.

You have the option to opt out of providing certain information or data, from being contacted by or receiving information from CMPS Institute, its sponsors, advertisers, affiliates and/or strategic partners, and to choose how CMPS Institute uses your information and data. You may exercise your options by sending an e-mail with your request to admin@CMPS Institute.com

Upon your request, CMPS Institute will deactivate your account, contact information, billing information, shipping information, and financial information from its active databases to prevent your information from being shared with other users.

Questions, comments or complaints regarding this Privacy Policy and/or this Site should be directed to CMPS Institute’s Privacy Administrator by e-mailing such questions, comments or complaints to admin@CMPS Institute.com.

CMPS Institute may amend this Privacy Policy at any time by posting the amended terms on the Site.  All amended terms shall automatically be effective immediately.  You are responsible for regularly reviewing this Privacy Policy and all such changes. Continued use of the Site after any such changes have been posted shall constitute your agreement to such changes.