DISCLAIMER  

TMI Media, LLC d/b/a MLO Advantage 

Last Updated: December 13, 2025 

Educational Content Only  

The content provided on www.mloadvantage.com, including all courses, videos,  downloadable resources, blog posts, and other materials (collectively, "Content"), is  for educational and informational purposes only. 

Not Professional Advice  

The Content does not constitute and should not be construed as: • Financial advice 

•  Legal advice 
•  Tax advice 
•  Investment advice 
•  Professional consulting services 
•  Individualized recommendations for your specific situation 

CFP® Professional Disclosure  

Tricia McIntosh is a CERTIFIED FINANCIAL PLANNER® professional. However, the  educational content provided through MLO Advantage does not constitute financial  planning services, investment advisory services, or individualized financial advice. 

The CFP® certification and designation relate to Tricia McIntosh's professional  credentials and qualifications. MLO Advantage provides general education for  mortgage loan originators and does not offer personalized financial planning or  advisory services. 

Mortgage Industry Education  

The courses and content provided by MLO Advantage are designed to educate  mortgage loan originators about business development, product knowledge, and  professional practices. This education:

•  Provides general strategies and concepts 
•  Does not replace compliance training required by your employer or  regulatory bodies 
•  Should be supplemented with appropriate legal, compliance, and  professional guidance specific to your situation 

No Guarantees of Results  

We make no representations, warranties, or guarantees regarding: • Income levels you may or may not achieve 

•  Business results from implementing strategies discussed 
•  The success or failure of any particular approach in your specific market or  situation 

Your results will vary based on numerous factors including but not limited to your  individual effort, prior experience, market conditions, regulatory environment,  business relationships, and factors beyond anyone's control. 

Testimonials and Examples: Any testimonials, case studies, or examples provided  are not guarantees of similar results. Individual results will vary, and these  examples should not be interpreted as typical or average outcomes. 

Compliance and Regulatory Responsibility  

You are solely responsible for: 

•  Ensuring your business practices comply with all applicable federal, state,  and local laws and regulations 
•  Maintaining all necessary licenses and certifications for mortgage loan  origination 
•  Following your employer's or broker's policies, procedures, and compliance  requirements 
•  Seeking appropriate legal and compliance counsel for your specific  circumstances
•  Understanding and adhering to the SAFE Act and all other relevant mortgage  lending regulations 

MLO Advantage does not provide legal or compliance advice. Consult with qualified  attorneys and compliance professionals regarding your obligations. 

Third-Party Information  

Our Content may reference or link to third-party resources, products, or services.  We do not endorse, warrant, or guarantee any third-party content, products, or  services. You are solely responsible for evaluating the accuracy, completeness, and  usefulness of any third-party information. 

No Client Relationship  

Your use of our Website and consumption of our Content does not create any  professional relationship between you and TMI Media, LLC, Tricia McIntosh, or MLO  Advantage. We are not your financial planner, legal advisor, compliance consultant,  or professional advisor of any kind based solely on your use of our educational  materials. 

Use at Your Own Risk  

You acknowledge and agree that you use our Content at your own risk.  Implementation of any strategies, techniques, or concepts discussed in our Content  is your decision and responsibility. 

Updates and Changes  

The mortgage industry, regulations, and best practices evolve over time. While we  strive to provide current and accurate information, we make no guarantees that all  Content is up-to-date or applicable to current market conditions. You are  responsible for verifying information and ensuring its current applicability. 

Contact for Questions  

This Disclaimer should be read in conjunction with our Terms of Service and Privacy  Policy. 

If you have questions about this Disclaimer or the nature of our educational  services, please contact us:

TMI Media, LLC d/b/a MLO Advantage

3408 Clairmont Rd #567 

Atlanta, GA 30319 

Email: [email protected]