TERMS OF SERVICE  

TMI Media, LLC d/b/a MLO Advantage 

Last Updated: December 13, 2025 

Please read these Terms of Service ("Terms") carefully before using  www.mloadvantage.com (the "Website") or accessing any content, courses, or  services offered by TMI Media, LLC d/b/a MLO Advantage ("MLO Advantage," "we,"  "us," or "our"). 

Acceptance of Terms  

By accessing or using our Website, signing up for our free course, or purchasing any  products or services, you agree to be bound by these Terms. If you do not agree to  these Terms, do not use our Website or services. 

Use of Services  

Eligibility: You must be at least 18 years old to use our services. 

Free Course: We offer a free educational course to help mortgage loan originators  improve their business practices. This course is provided for educational purposes  only. We reserve the right to modify, suspend, or discontinue the free course at any  time without notice. 

Account Responsibility: If you create an account with us, you are responsible for  maintaining the confidentiality of your login credentials and for all activities that  occur under your account. 

Intellectual Property  

All content on this Website, including but not limited to course materials, videos,  text, graphics, logos, and downloadable resources, is the intellectual property of  TMI Media, LLC d/b/a MLO Advantage and is protected by copyright, trademark,  and other intellectual property laws. 

License Grant: When you access our courses or content, we grant you a limited,  non-exclusive, non-transferable license to use the materials for your personal, non commercial educational purposes only. 

Restrictions: You may not:

•  Reproduce, distribute, publicly display, or create derivative works from our  content without written permission 
•  Sell, rent, lease, or sublicense any course materials or content • Share your login credentials or course access with others 
•  Remove any copyright, trademark, or proprietary notices from our materials Educational Purposes and Disclaimers  

No Professional Advice: The content provided on this Website and in our courses  is for educational and informational purposes only. It does not constitute financial,  legal, tax, or professional advice. 

Not Individualized Advice: As a CERTIFIED FINANCIAL PLANNER® professional,  Tricia McIntosh provides general educational content for mortgage loan originators.  The information provided is not individualized advice tailored to your specific  situation. 

Consult Professionals: You should consult with appropriate licensed professionals  (attorneys, accountants, compliance officers, etc.) regarding your specific business,  financial, and legal matters. 

No Guarantees: We make no representations or warranties about the results you  may or may not achieve by implementing strategies discussed in our courses. Your  success depends on numerous factors including your effort, market conditions,  experience, and circumstances beyond our control. 

CFP® Disclosure: Tricia McIntosh's use of the CERTIFIED FINANCIAL PLANNER®  and CFP® mark relate to her professional certification. The educational content  provided through MLO Advantage does not constitute financial planning services or  investment advice. 

Compliance and Professional Responsibility  

Our courses provide education about mortgage loan origination best practices. 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 in your jurisdiction 
•  Following the policies and procedures of your employing institution or broker • Seeking appropriate legal and compliance guidance for your specific situation Limitation of Liability  

TO THE FULLEST EXTENT PERMITTED BY LAW, TMI MEDIA, LLC D/B/A MLO  ADVANTAGE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE  LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE  DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED  DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER  INTANGIBLE LOSSES, RESULTING FROM: 

•  Your access to or use of (or inability to access or use) our services • Any conduct or content of any third party on our services 
•  Unauthorized access, use, or alteration of your transmissions or content 
•  Any outcomes or results (or lack thereof) from applying concepts taught in  our courses 

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES,  AND CAUSES OF ACTION EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12)  MONTHS PRIOR TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS  GREATER. 

Indemnification  

You agree to indemnify, defend, and hold harmless TMI Media, LLC d/b/a MLO  Advantage and its officers, directors, employees, and agents from any claims,  liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees)  arising from: 

•  Your use of our services 
•  Your violation of these Terms 
•  Your violation of any rights of another party
•  Your business practices or professional conduct 

Payment Terms (When Applicable)  

When we begin selling courses or other products: 

•  All payments will be processed securely through Stripe 
•  Prices are subject to change, but changes will not affect purchases already  made 
•  Payment terms and refund policies specific to each product will be clearly  stated at the time of purchase 

Modifications to Services and Terms  

We reserve the right to modify or discontinue any aspect of our services at any time  without notice. We may also update these Terms from time to time. Material  changes will be posted on this page with an updated "Last Updated" date. Your  continued use of our services after changes constitutes acceptance of the updated  Terms. 

Termination  

We reserve the right to suspend or terminate your access to our services at any  time, for any reason, including violation of these Terms, without prior notice or  liability. 

Governing Law and Dispute Resolution  

These Terms shall be governed by and construed in accordance with the laws of the  State of Georgia, United States, without regard to its conflict of law provisions. 

Any disputes arising from these Terms or your use of our services shall be resolved  through binding arbitration in accordance with the rules of the American  Arbitration Association, conducted in Atlanta, Georgia. You agree to waive any right  to a jury trial or to participate in a class action. 

Entire Agreement 

These Terms, together with our Privacy Policy, constitute the entire agreement  between you and MLO Advantage regarding your use of our services and supersede  any prior agreements. 

Severability  

If any provision of these Terms is found to be unenforceable or invalid, that  provision shall be limited or eliminated to the minimum extent necessary, and the  remaining provisions shall remain in full force and effect. 

Contact Us  

If you have any questions about these Terms of Service, please contact us: 

TMI Media, LLC d/b/a MLO Advantage 

3408 Clairmont Rd #567 

Atlanta, GA 30319 

Email: [email protected]