DISCLAIMER

TMI Media, LLC d/b/a MLO Advantage

Last Updated: April 5, 2026

EDUCATIONAL CONTENT ONLY

The content provided on www.mloadvantage.com, including MLO Advantage: Loan Originator Mastery Course and all other courses, videos, downloadable resources, worksheets, 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® MARK 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 relates 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

As stated in our Terms of Service, 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, the regulatory environment, your 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]