Catalyst Mortgage Solutions - Fair Credit Policy Bundle

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Fair Credit Policy Bundle

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Description Details

This complete Fair Credit Policy package includes the personalized policy, as well as the in-depth training, ensuring that your company is in full compliance with the requirements of the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA)!

Fair Credit Policy

This policy details the requirements of the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA), and is customized with your company's logo and information free of charge! Policies are available immediately after purchase*

* This policy utilizes company information such as company name, logo and NMLS number. This policy can not be completed until all necessary information is provided.

Fair Credit Policy Updates

12 Months of updates for the Fair Credit Policy

Includes:

Fair Credit Policy (Qty: 1 - Digital Copy)
Fair Credit Policy Updates (Qty: 1 - Online)

General Information

Category:

Auditing and Compliance: Bundles

Pricing:

$349.00

Delivery Method(s):

Online

Includes:

Fair Credit Policy (Qty: 1 - Digital Copy)
Fair Credit Policy Updates (Qty: 1 - Online)

Who It's For:

Companies

License Areas

This product pertains to the following License Areas:

National

Technical Requirements

Online Materials

In order to view online materials, such as Classes, Manuals, Study Tests and other content made available on this website you will need at least the following:

Web Browser:

Microsoft Internet Explorer 9.0
Mozilla Firefox 5
Apple Safari 5
Google Chrome 5

Your Browser is Compatible

Your Browser May Not Be Compatible

NOTE: You may need Java enabled to view online content.

You currently have Java enabled

You currently have Java disabled. Click here for direction on how to enable Java.

Emailed Materials

In order to receive emailed materials, such as Manuals, Certificates of Completion, Policies and other materials you will need at least the following:

Email Account:

Ability to receive attachments up to 10MB in size (Attachments can also be downloaded by logging into your account)

NOTE: In order to ensure that you receive our e-mails, you may need to add support@catalystmortgagesolutions.com to your Contacts List or adjust your Spam settings.

PDF Reader:

All emailed materials are sent in PDF format, unless otherwise specified. To view these materials, you will need a PDF reader such as Adobe Acrobat.

Click here to download the latest version.

Terms and Conditions

Copyright

Revised: December 1, 2012

The compilation of all content included in or made available through any Catalyst Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, and data compilations is the property of Catalyst or its partners and protected by United States and international copyright laws. Any use beyond the original, intended purpose without Catalyst's expressed, written consent is prohibited

Use of Site

Revised: December 1, 2012

In using this site, consumer is agreeing to be bound by the terms and conditions contained herein. Information contained on this site is the sole property of Plus Catalyst, Inc or its partners unless otherwise noted, and may not be used, copied or redistributed without written permission. Although all efforts have been made to ensure the accuracy of all information contained on this site, materials may still contain technical inaccuracies or typographical errors. All information is presented 'as is' without guaranty of complete accuracy. Information, including product pricing and availability, may be changed or updated without notice. Catalyst and its partners reserve the right to refuse service, terminate accounts, and/or cancel orders at its own discretion without limitation, if Catalyst believes that customer conduct violates applicable law or is harmful to the interests of Catalyst and its partners.

Modification of Terms and Conditions

Revised: January 6, 2013

We reserve the right to modify these Terms and Conditions at any time an in any manner at our sole discretion by either posting a revision on this site, or by sending information regarding the amendment to the e-mail address you provide to us. You are responsible for regularly reviewing this site to obtain timely notice of any amendments. You shall be deemed to have accepted such amendments by continuing to use this site more than 20 days after such amendments have been posted or information regarding such amendments has been sent to you. You agree that we shall not be liable to you or to any third party for any such modification of the Terms and Conditions.

Privacy Policy

Revised: July 28, 2014

Catalyst receives and stores any information you enter on this web site or give us in any other way. We share this information only with those parties necessary to fulfill our obligation to provide you with the products and or services that you purchase. Such parties may include the NMLS and other companies that we partner with to provide in person and online classes. Catalyst may use information you provide, such as your email address, to offer you discounts and promotions on products offered by Catalyst and its partners. Participation in such marketing is voluntary, and may be opted out of on your My Account page. All personal and company information your provide is considered private and will not be sold or distributed in any way other than what is described above.

Refund, Return and Cancellation Policy

Revised: December 1, 2012

In Person Classes:

If a student cancels his/her registration for an in-person class at least 10 business days prior to the class' starting date, he/she will be entitled to a full refund of the purchase price.

If a student cancels his/her registration for an in-person class less than 10 business days prior to the class' starting date, he/she will be entitled to a full credit of the purchase price toward a future class.

If an in person class is canceled by Catalyst or one of its partners, all registered students will be eligible for a full refund of the purchase price. Catalyst is not responsible for reimbursing students for any other expenses or fees, including but not limited to any expenses student was going to, or has incurred in expectation of attending said class, or fees that the student may incur from other third parties such as the NMLS.

Online Classes:

If a student cancels his/her registration for an online class prior to beginning any portion of said class, he/she will be entitled to a full refund.

If a student cancels his/her registration for an online class after he/she begins the class, he/she will no longer be entitled to any refund.

If a student is unable to complete an online class due to Catalyst's website being down for more than 3 consecutive business days, student will be entitled to a full refund of the purchase price. Student must request this refund within 5 business days of such outage, and not have completed any additional portion of said class since the website was restored. Catalyst is not responsible for reimbursing students for any other expenses or fees, including but not limited to any expenses student was going to, or has incurred in expectation of completing said class, or fees that the student may incur from other third parties such as the NMLS.

Manuals, Study Tests and Other Products

All sales of manuals, study tests and other products (not including in person and online classes) are final and will not be eligible for return or refund unless the product is damaged or defective, prior to receipt by the customer, in such a way as it would not be able to fulfill its advertised purpose. If such damage or defect occurs, customer must notify Catalyst within 48 hours of receipt of the product. From that date of notification, Catalyst will have 5 business days to replace the damaged or defective product with one that can fulfill the original products intended purpose, or issue a full refund.

Specific Policies

Some products, such as those that include setup fees or offer subscription pricing, may have additional cancellation policies. Please see the Pricing Policy for a list of these policies.

Transfer Policy

Revised: January 8, 2013

The following products may be transferred to another user or another company under the conditions listed below:

Products

Classes, either in-person or online
Study Tests
Online Software

Conditions

In the case of Classes, either in-person or online, and Study Tests - the Class or Study Test must not been started. Once the Class or Study Test is started, it is no longer transferrable.
For subscription based products, the product may only be transferred for the remainder of the term(s) which is (are) already paid. It will become the new subscriber's responsibility to cancel or renew the product once this term is completed.
For all products - the new user or company must agree to be bound by the then current terms and conditions regarding the product, including all ongoing or unmet obligations that the original customer agreed to.

The following products may not be transferred to another user or company under any conditions:

Products

Auditing Services
Manuals or Materials
Policies or Procedures
Any other products not specifically listed as allowing transfers.

In certain cases, an exception may be made to this policy - at Plus Catalyst, Inc's sole discretion - if an individual is no longer actively in the business, or if a company or branch goes out of business. As stated, these exceptions are at Plus Catalyst, Inc's sole discretion, and must be documentable by a third party source such as the NMLS.

Pricing Policy

Revised: December 19, 2012

Setup Fees

Some products may include Setup Fees, which are charged at the time of purchase. Any such fees will be clearly stated in the Details tab on the product page. These fees are not refundable, unless for some reason Catalyst or its partners are unable to provide the product as stated in the product description.

Subscription Products

Some products offer a Subscription Pricing option. The initial, upfront cost for any such products will be the combined total of any setup fees plus payment for the first period of the subscription. If there is a 'Free Trial' period, then the upfront cost will only be the setup fees, if there are any. This option may be available on either a "no contract or obligation" basis, or on a minimum term contract.

For subscriptions that are offered on a "no contract or obligation" basis:
These subscriptions may be cancelled at any time without penalty or fees. The cancellation will be considered effective at the end of the then current billing period.

For subscriptions that include a minimum term contract:
If the subscription is cancelled, or lapses due to non-pament during the term of the contract, the customer will be billed retroactively, back to the beginning of the contract, at the then current monthly "no contract or obligation" price. The cancellation will be considered effective at the end of the then current billing period.

Once the contract term is completed, the subscription may be cancelled at any time without penalty or fee. The cancellation will be considered effective at the end of the then current billing period.

Subscription Renewals

All Subscription Products will automatically renew at the completion of each billing cycle, under the same terms and contract length as the expiring contract, using the payment method on file, unless the customer has, prior to the renewal date, requested that the subscription be cancelled or changed.

Free Trials

Some products may offer a set-length free trial. By participating in such a trial, the customer is agreeing to be bound by the terms of the "no contract or obligation" subscription agreement listed above. Under such agreement, if the customer does not cancel the subscription prior to the end of the trial, the product will become a regular subscription product at the then current monthly "no contract or obligation" price, renewing monthly as described above. The customer may cancel this subscription at any time as described above, without penalty or fee. The cancellation will be considered effective at the end of the then current billing period.

Changing Subscription Plans

At any time, a customer may chose to upgrade from a "no contract or obligation" subscription plan to a minimum term subscription plan, taking advantage of the reduced pricing on the minimum term subscription, effective the beginning of the next billing cycle. Any requests to downgrade from a minimum term subscription to a "no contract or obligation" subscription will be treated as a cancellation of the minimum term subscription, and start of a new "no contract or obligation" subscription, and handled as described above under the cancellation guidelines.

Exceptions

Any contract may be cancelled, without penalty or fee, under the following condition: if, for any reason, Catalyst or its partners are unable to fulfill the terms of the agreement by delivering the product as described in the product description at the time when the contract was initiated. All such cancellations will be considered effective at the end of the then current billing cycle.

Disclaimer of Warranties

Revised: January 6, 2013

This site is provided 'As Is.' Neither Plus Catalyst, Inc, nor its partners, make representation or warranty of any kind, whether express, implied (either in fact or by operation of law), or statutory, as to any matter whatsoever. Plus Catalyst, Inc and its partners expressly disclaims all implied warranties of merchantability, fitness for customer's purpose, quality, accuracy, and title. Customer will be solely responsible for any damage resulting from the use of this site. Customer will not have the right to make or pass on any representation or warranty on behalf of Plus Catalyst, Inc or its partners to any third party. Use of the site is at your sole risk. Because some states and jurisdictions do not allow limitations on implied warranties, the above limitation may not apply to you. In that even, such warranties are limited to the minimum warranty period allowed by applicable law.

Sales Tax

Revised: April 30, 2013

Important Notice: Your purchase is NOT exempt from tax merely because Plus Catalyst, Inc or its partners have elected not to collect the tax from you at the time of your purchase. Many states require purchasers to report and pay tax on all purchases that are not taxed at the time of sale. The tax may be reported and paid on your individual income tax return or by filing a consumer use tax return. For more information, please visit your state's department of revenue website.

Sales Tax Collection

Plus Catalyst, Inc and its partners collect sales tax in states where we have physical presence (or nexus), including Wisconsin. Plus Catalyst, Inc and its partners also collect sales tax in states which have adopted the Streamlined Sales and Use Tax Agreement (SSUTA), including Arkansas, Georgia, Iowa, Indiana, Kansas, Kentucky, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, Ohio, Oklahoma, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Washington, West Virginia and Wyoming.

Plus Catalyst, Inc and its partners do not collect sales tax in any state NOT listed above as we are not required to collect sales or use tax in these states.

Tax Exempt Customers

During checkout, you will be able to upload your tax-exemption certificate. As long as this certificate is valid, you will not be charged sales tax on qualifying purchases.

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