NAMU® Terms of Use

BY REGISTERING FOR ANY NAMU®/NAMP® CERTIFICATION PROGRAM OR CAMPUSMORTGAGE® TRAINING CLASS YOU HEREBY ACKNOWLEDGE YOU HAVE FULLY READ AND Accept the items found within THE NAMU® TERMS OF USE (as identified below). BY REGISTERING FOR ANY NAMU® CERTIFICATION PROGRAM YOU HEREBY ACKNOWLEDGE YOU HAVE FULLY READ AND ACCEPT THE ITEMS FOUND WITHIN THE NAMU® CERTIFICATION HANDBOOK & NAMP® CERTIFICATION HANDBOOK RESPECTIVELY. BY USING OUR WEBSITE AND SERVICES YOU ARE ACCESSING A COMPANY LOCATED IN BROWARD COUNTY, FLORIDA.

Trademarks

• National Association of Mortgage Underwriters (NAMU): Serial #: 77550606 / Registration #: 3598032

• Certified Master Mortgage Underwriter (CMMU): Serial #: 86752390 / Registration #: 4945639

• UNDERWRITER BOOTCAMP (UB): Serial #: 85868654 / Registration #: 4425017

• Underwriting Bootcamp (UB): Serial #: 87584680 / Registration #: 5432872

• PROCESSOR BOOTCAMP (PB): Serial #: 85868678 / Registration #: 4425018

• CERTIFIED MORTGAGE UNDERWRITER (CMU): Serial #: 87087502 / Registration #: 5140923

• Certified Ambassador Mortgage Underwriter (CAMU): Serial #: 90525073 / Registration #: 6632125

How To Contact Us

National Association of Mortgage Underwriters, Inc. (DBA: NAMU) is a "for profit" Florida corporation with a mailing address at: Presidential Circle -- 4000 Hollywood Blvd. -- Suite 555-South -- Hollywood, FL 33021. You can email us at contact@mortgage-underwriters.org or call us at (954)323-7516. You can also fax us at (954)323-7518.

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External Terms of Use Agreements:

• CampusMortgage® Terms of Use: As the training division of NAMU®, CampusMortgage® conducts all the training classes included within each NAMU®/NAMP® Certification program. As such, the Student is subject to the CampusMortgage® Terms of Use when accessing a CampusMortgage® training class purchased from NAMU® — whether purchased as an individual class, or part of a NAMU®/NAMP® Certification Program/Bootcamp/Special Offer/Package Deal.

• NAMP® Terms of Use: As a NAMP® reseller, all NAMP® Certification programs offered for sale on NAMU®’s website are conducted by NAMP®. As such, the Student is subject to the NAMP® Terms of Use & NAMP® Certification Handbook when completing a NAMP® Certification program purchased from NAMU®.

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Disclaimer: NAMU® is not owned, operated or affiliated with HUD, FHA or the Federal Government in any way.

Conducting Business on the Internet: You acknowledge and agree that electronic communications and databases are subject to errors, tampering and break-ins and that, notwithstanding the efforts of NAMU® to implement reasonable security precautions, NAMU® does not guarantee or warrant that such events will not take place. You agree to follow all access and security procedures provided from time to time by NAMU®, and you will not attempt, nor will you aid or abet any other person in any attempt, to circumvent or otherwise interfere in any way with any security precautions or measures of NAMU®.

No Unlawful or Prohibited Use: As a condition of your use of the Website, you will not use the Content or access the Website for any purpose that is harmful, abusive, derogatory, defamatory, in violation of any confidentiality obligation, invasive of any third party's rights, unlawful, disruptive to the Website, or otherwise prohibited by these terms, conditions, and notices in the Terms of Use and the Privacy Policy. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. NAMU® reserves the right to terminate your use of the Website, in its sole discretion, with or without notice, if NAMU® reasonably believes that your conduct fails to conform to the Terms of Use.

Complaint Resolution Not Provided: If a complaint is made against a Student, NAMU® will not get involved in “complaint resolution”, and as such, will not become the judge in deciding who is right and who is wrong.

Course Updates: Mortgage regulations & guidelines can change throughout the year. With that said, we make every effort to keep our Students updated and do this in a variety of ways. We start with an annual review of each course to determine if full, partial or no revamping is needed, and will revise the course(s) once a year accordingly. We also include source links within each presentation, so Students throughout the year can get updated on their own. We may also put together a supplemental “update” webinar when a MAJOR rule change occurs. For example, we published an “update” webinar when the DODD/FRANK Act first came into law because the new law required major guideline changes which affected the entire mortgage industry. Finally, we post weekly training videos and articles within our weekly e-newsletter, The Mortgage Standard, which often cover breaking mortgage news & proposed legislative changes.

1-Year Access: Once a student enrolls, the student will have one year of access to the CampusMortgage® Online Training Portal & related services, which will start from when the student first logs into the CampusMortgage® Online Training Portal — not from date of purchase. This one-year period applies to the webinars, course materials, exams and customer support..

Refund Policy: No refunds or credits will be issued if a student and/or customer has, AT ANY TIME, logged into any recorded webinar course, or downloaded any course materials or requested a Certificate of Completion for the course/certification/bootcamp/bundled package purchased. If a student and/or customer has not logged into a recorded webinar course, or downloaded any course materials or requested a Certificate of Completion, the customer is entitled to a full refund (minus a $75 administrative cancellation fee) provided a refund request is received in writing or via e-mail by NAMU® within (5) calendar days from the date of purchase. If a refund is issued to a customer, the customer will not be permitted to repurchase any NAMP®/NAMU®/CampusMortgage® product from NAMP®/NAMU®/CampusMortgage®, or its affiliate resellers. NOTE: there are no refunds on corporate sponsorship packages that include advertising, “brand awareness” initiatives, email marketing, banner ads, etc.

Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:

• Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences.

• The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Underwriters (NAMU) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.

Discount/Special Offer Disclaimer: After a purchase is made, all discounts, special offers, bundled package deals & coupons cannot be combined/exchanged with any other current or future special offer, promotion, discount or group offer. NOTE: All special offers, vouchers & promotions are made available to all new and existing customers — for example, if your co-worker received a voucher (discounted price and/or package deal) from us, we will always honor that same voucher to you.

Use of NAMU® Logo & Name on Promotional Materials: The Student is not permitted to use the NAMU® logo/name on any promotional materials (i.e. business cards, websites, brochures, online/print advertising, etc.). However, the Student may list their active NAMU® Certification on their resume, LinkedIn.com profile or any other professional profile or bio. For example, the Student may add the NAMU® Certification acronym to their LinkedIn.com profile name (for example, John Smith, NAMU®-CMMU®). The Student may also add the NAMU® Certification to their LinkedIn.com "Certifications" section of their profile, i.e. Certified Master Mortgage Underwriter (NAMU®-CMMU®).

Opinion-Editorial (Op-Ed) Disclaimer For NAMU® Library Articles: The views and opinions expressed in the NAMU® Library articles are those of the authors and do not necessarily reflect any official NAMU® policy or position. Examples of analysis performed within this article are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of NAMU®.

Training & Certification Disclaimer: NAMU® is a Florida corporation, and all training & Certification offered through NAMU® is for "professional development" and is further for informational purposes only (not to serve as licensure training or legal advice). Obtaining NAMU® Certification does not imply the Student is an "expert" or "licensed" in any mortgage related field -- it simply means the Student has taken online training classes and passed a 1-hour timed online proctored exam. It also does not guarantee the Student will find a job. NAMU® does not provide job placement assistance. NAMU® is not owned, operated or affiliated with HUD, FHA, VA, State Government or Federal Government in any way. NAMU® Certification is not a local, State or Federal Government issued Certification. NAMU® reserves the right, at any time, to strengthen and enhance the NAMU® Certification by changing curriculum and/or discontinuing any of the training classes included in the NAMU® Certification. NAMU® also reserves the right, at any time, to change the NAMU® Certification process and/or discontinue the NAMU® Certification altogether.

NAMU® Member/Certificant Directory (Your Public Profile) - Hold Harmless / Indemnify: Your privacy is very important to us, and we take every measure to safeguard your privacy. HOWEVER, if you provide NAMU® with your Name/Profile Image as it relates to your NAMU® Membership/Certification, this means you give NAMU® permission to publish it within the NAMU® website and NAMU® Member/Certificant Directory. And as such, this means that you are allowing everyone, including people off of the NAMU® website, to access and use that information, and to associate it with you (i.e., your name and profile picture). Your decision to post your Name/Profile Image within the NAMU® Website and NAMU® Member/Certificant Directory means you shall hold harmless and indemnify NAMU® and its agents, directors, officers, members, employees and/or volunteers from any and all claims, loss, damage, costs (including court costs & attorney fees) however caused resulting from or arising out of or in any way connected to your Name/Profile Image being made public via the NAMU® Website and NAMU® Member/Certificant Directory. NOTE: If you prefer to not have your Name/Profile Image posted on the NAMU® Website and NAMU® Member/Certificant Directory, you may opt out at any time by simply emailing or calling us directly at 800-865-8550 Press 2, and we will promptly remove it.

No Job Placement Provided: For those Students who are seeking to find a job within the mortgage industry NAMU® does NOT provide job placement assistance of any kind. Aside from the current state of any given job market, there are many other factors that go into the Student securing a job after obtaining NAMU® Certification — which are out of NAMU®’s control (i.e. the Student’s professionalism, interpersonal skills, enthusiasm, employment track record, etc.). With this is mind, NAMU® does NOT provide job placement assistance, nor guarantee the Student will find a job.

NAMU® Certification is NOT a License: NAMU® Certification is strictly a “professional development” training program – not a license.

Instructor Questions Not Permitted. We do not permit Students to ask questions directly to the instructors. However, we do include source links within each presentation, so Students can gain further clarity on particular topics and get updates throughout the year on new rule/guidelines changes, etc.

Disclaimer of Liability: With respect to documents and information available from NAMU®, NAMU® does not make any warranty, expressed or implied, including the warranties of merchantability and fitness for a particular purpose arising out of the use or inability to use the documents and/or information provided by NAMU®. NAMU® further does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately owned rights.

Disclaimer of Endorsement: Reference herein to any specific commercial products, process, or service by trade name, trademark, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by NAMU®

Disclaimer for External Linkages: NAMU® neither endorses links nor approves of links to external sources. External links are made available for the convenience of the Student. NAMU® takes no responsibility for a link's operation or content.

NAMU® Certification Hold Harmless/Indemnify: By proceeding forward with obtaining any NAMU® certification, you hereby agree to indemnify and hold harmless NAMU® and its employees, officers, directors, trustees, shareholders, affiliates, and agents (as it relates to your NAMU® certification) from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of (a) any negligent act or omission by you, or (b) any breach of any term contained in the NAMU® certification paperwork. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of your NAMU® certification.

Training Class - Hold Harmless/Indemnify: By proceeding forward with taking any CampusMortgage® training class, you hereby agree to indemnify and hold harmless NAMU® and its employees, officers, directors, trustees, shareholders, affiliates, and agents from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of any negligent act or omission by you. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of the training class.

NAMU® Certification is Not State or Federal Issued: All NAMU® “professional development” courses are not required by any state. These NAMU® “professional development” courses are designed to help you advance your career, grow your business and make the commitment to lifelong learning. All NAMU® Certification programs are for “professional development” purposes only, and are NOT to be considered a State or Federal issued License or Certification. NAMU® Certification has no effect on state professional licensure requirements, if any. It is advised that Students seek guidance from the appropriate licensing agency in your home state before beginning any academic program leading to licensure or certification. Although most employers do not require a “professional development” Certification to secure employment or for career advancement, we have been in business since 2012 and are considered by many mortgage professionals to be a leading provider in mortgage underwriting education and certification.

Certification Exam Format: You may re-take a NAMU® certification exam up to (3) times with a “cooling off” period of (14) calendar days between each failed exam. If you fail a NAMU® certification exam three times, you must wait 1 year before you can re-register for the same NAMU® certification -- the 1-year waiting period will start from the date of the third failed exam.

Accessibility Statement: NAMU® is committed to facilitating the accessibility and usability of all of its websites for all our customers, including people with disabilities. We strive to meet the standards of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 Level AA (WCAG 2.0 AA). Our efforts are ongoing as technology advances. 

As for viewing our online training classes, here are some of the accessibility steps we’ve taken:

1. We’ve added Close Captioning to all our training classes.

2. We provide all students with 1 year access to our training classes, even though the average time a student takes to complete the training is between 1-3 months.

3. We utilize a video streaming service, which adheres to WCAG AA compliance standards such as ease of use with screen readers to help ensure that all video player elements can be read properly by screen readers, like JAWS & NVDA, as well as a default color contrast ratio that meets minimum WCAG AA standards, and more.

4. We can provide a student with extra time to take the exam instead of the standard 1-hour time limit.

5. We can make other special accommodations in accordance with ADA requirements.

If you require special ADA accommodations, please do not hesitate to contact us at contact@mortgage-underwriters.org or 800-865-8550 x104 during our normal business hours (Monday thru Friday, from 11:00 AM to 8:00 PM EST.).

Advertising Policy: Last Updated: November 10, 2020

To further our mission of providing sound mortgage education, we accept advertising under strict guidelines as set forth herein (“Guidelines”). We reserve the right to refuse any advertisement we believe is incompatible with our mission. We also reserve the right to refuse any advertisement we deem competitive or contrary to the best interests of the company.

The following Guidelines govern various aspects of advertising within the NAMU® network of Websites (the “Sites”). NAMU® has sole and absolute discretion with respect to interpretation and enforcement of this policy and all other issues associated with advertising and promotion on the Sites. NAMU® may change this policy at any time at its sole discretion by posting revised Guidelines.

NAMU® has sole discretion for determining the types of advertising and promotion that will be accepted and displayed on the Sites. The presence of an ad on our Sites or in e-mail communications does not imply endorsement of the advertised company or product. NAMU® is not responsible for the content or accuracy of third-party advertisements.

NAMU® will not accept advertising that, in our sole opinion, is not in good taste. We will not permit the placement of a) advertising for illegal or objectionable products or services, or b) advertising that is offensive to any individual or group of individuals based on age, color, national origin, race, religion, sex, sexual orientation, or handicap.

Advertising will not be accepted if it promotes any of the following: alcohol, firearms, ammunition, fireworks, gambling, pornography, tobacco, or the simulation of news or an emergency.

Various Sites may identify users by log in, cookies, or other Web identifiers. When applicable, pages, advertisements, and other content may be customized to provide content of interest.

NAMU® reserves the right to reject, cancel, or remove any advertising from our Sites for any reason at any time. We will provide reasonable notice to the advertiser upon rejection, cancellation, or removal of any advertising.

It is the responsibility of the advertiser to comply with all applicable domestic and foreign laws and regulations. If NAMU® becomes aware of any breach or potential breach of any applicable law or regulation, or of these Guidelines, we may remove the advertising.

No advertising shall be permitted that may injure the good name or reputation of NAMU® or its family of brands.

Copyright: All content appearing on this Web site is the property of National Association of Mortgage Underwriters® (NAMU®). Copyright © 2024. All rights reserved. As a user, you are authorized only to view, copy, print, and distribute documents on this Web site so long as (1) the document is used for informational purposes only, and (2) any copy of the document (or portion thereof) includes the following copyright notice: Copyright © 2024 National Association of Mortgage Underwriters® (NAMU®). All rights reserved. 

Trademarks: All brand, product, service, and process names appearing on this Web site are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by NAMU®. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of NAMU®'s Online Store or any third party, except as expressly granted herein. 

Use of NAMU's Services, Products, Websites & Online Store: Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. NAMU®'s Online Store, its subsidiaries and related entities (the “Company”) reserve the right to refuse service, terminate accounts, and/or cancel orders (e.g., CampusMortgage® training classes, NAMU® certification), in its sole discretion, including, without limitation, if the Company believes that a customer or potential customer’s conduct violates applicable law or may be deemed harmful to or interfere with the interests of the Company.

NAMU® provides links to other non-affiliated Internet sites. You should review any unaffiliated Internet sites to determine its policies on privacy and security and for information on how it uses data. NAMU® is not responsible for such unaffiliated Internet sites' policies, and expressly disclaims any and all liability related to such policies.

At certain places on this Web Site, live "links" to other Internet addresses can be accessed ("Linked Sites"). Such Linked Sites contain information created, published, maintained, or otherwise posted by institutions or organizations independent of NAMU®. NAMU® does not endorse, approve, certify or control these Linked Sites and does not guarantee the accuracy, completeness, efficacy, timeliness or correct sequencing of information that they contain. Use of Linked Sites is voluntary, and should only be undertaken after an independent review by the user of the accuracy, completeness, efficacy and timeliness of the information contained therein. In addition, it is the user's responsibility to take precautions to ensure that material selected from such Linked Sites is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. NAMU® is not responsible for, and expressly disclaims all liability for, (i) the contents of any Linked Site, (ii) damages of any kind arising out of the use of such Linked Sites, or (iii) reference to or reliance on information contained therein.

GENERAL: Each party hereto may terminate this Agreement at any time for any reason. Notwithstanding the foregoing, all obligations which arose under this Agreement prior to its termination will survive termination, including but not limited to, all representations, warranties, and covenants and indemnification obligations of the parties.

By accessing this Web Site, you have directed your system to a computer located in the State of Florida. This Agreement and services rendered shall be deemed to have been entered into and performed at NAMU® company headquarters in the State of Florida, and all questions concerning the validity, interpretation, or performance of any of its terms or provisions, or any rights, or obligations of the parties hereto, shall be governed by and resolved in accordance with the laws of the State of Florida, without giving effect to the principles of conflict of laws. You agree that the state courts located in Broward County, Florida shall be the venue and exclusive proper forum in which to adjudicate any case or controversy arising either directly or indirectly, under or in connection with this Agreement in the court. You agree not to contest or challenge the jurisdiction or venue of the court. 

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in full force and effect.

This Agreement constitutes the entire Agreement between you and NAMU® with respect to the use of this Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and NAMU® with respect to this Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

The rights and obligations under this Agreement may not be assigned, including by operation of law, without the expressed written consent of NAMU®.

Failure or delay in exercising any right shall not act as a waiver of any right, nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No waiver of any of the provisions of this Agreement shall be deemed, or shall constitute, a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by the party marking the waiver. Remedies herein are deemed as cumulative and nonexclusive of each other.

Nothing contained in this Agreement shall be deemed to create, nor shall this Agreement be construed so as to create, a joint venture, agency or employment relationship between NAMU® and member client.

This Agreement shall be construed as though drafted by both parties and shall not be construed against or in favor of any party.

Captions and paragraph headings herein are for convenience only, and shall not be used in construing this Agreement.

Any rights not expressly granted herein are reserved.

MODIFICATION OF THESE TERMS, CONDITIONS AND NOTICES: NAMU® reserves the right, at any time and from time to time, to change the Terms, Conditions and Notices under which this Web Site is offered.

**Last Updated 03/05/24**