HOME    PURCHASE COURSES    HELP    RESOURCES   







TERMS AND USE / SCHOOL RULES / PRIVACY INFORMATION LOGIN


Terms and Use of 123CE Inc Website and Services
This website or any portion of this website may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose that is not expressly permitted in writing by 123CE Inc dba 123ceinc.com (123CE Inc). By using and participating in this website or its services, you signify that you have read these terms and agree to be bound by and comply with them. If you do not agree to be bound by these terms, you are directed to promptly exit this website. 123CE Inc reserves the right to modify these terms at any time and will publish notice of any such modification online at this website. By continuing to access this website after notice of such modifications, you signify your agreement to be bound by the modifications.
Terms of Use
You may use the 123CE Inc website for lawful purposes only. You may not use the 123CE Inc website to post, transmit or otherwise distribute unlawful material. Examples of unlawful material include, without limitation, threats of physical harm, defamatory statements, pornographic material, copyrighted, trademarked or other proprietary material used without proper written authorization. You may not attempt to use or distribute tools designed for compromising security or take any action to compromise the security of this website. Examples of these tools include but are not limited to password guessing programs, cracking tools or network probing tools. You may not "flood" or disrupt the 123CE Inc website through any means or process. 123CE Inc has and user agrees, that 123CE Inc has the right to suspend, terminate or refuse any and all current or future use of this service for any or no reason.

Course Completion
After purchasing any TREC CE or NMLS CE course(s), the course(s) must be completed within 6 months. Should you need additional time, simply contact Customer Support prior to your course expiration, for an extension on the course(s). The courses can only be extended for up to one year from the original purchase date. If the course is no longer an actively approved course, the school will work with the student to replace the course with a different course which offers the same amount of credit and hours of instruction if one exists. If a course's approval with the regulatory agency expires, the course will be replaced with the new course or course number approved by the regulatory agency if one exists.

If you are purchasing a package of individual courses (for example - one of our 18 hour CE packages which is made up of 5 or more courses), it is your responsibility to ensure you complete all courses purchased in the package. No refunds will be offered on any individual courses not completed that were purchased within a package.


Student Conduct
Cheating
Any user found to be cheating may result in suspension or revocation of a license and or other penalties.

What is cheating?
Allowing another person other than yourself to complete ANY portion of ANY class including course material, quizzes and/or final exams. User agrees that user is the person enrolling and will complete all portions of the course(s) without the help or assistance of others. Users found to be cheating as determined by 123CE Inc, may be denied access or refused service.

Posting comments in the 123CE INC Learning Management System (LMS)
Student to student and student to instructor interaction and communication is available for use by all 123CE Inc students. 123CE Inc endeavors to foster an effective and meaningful learning environment for all students as well as the instructor. Users posting or using any of the following in the 123CE Inc LMS as determined by 123CE Inc, may be denied access or refused service:

  • Inappropriate language
  • Disparaging comments about another person or business
  • Any comments that are meant to be sarcastic and/or do not add meaningful discussion to the learning environment of other learners and users.
This doesn't mean you cannot be funny, but comments should either be informative or assist in fostering a meaningful learning environment for all.

Licensing Agency Requirements
It is the user's responsibility to ensure that the course(s) or package(s) chosen, comply with any credit the user may need for pre-license, renewal or state licensing purposes. It is the user's responsibility to ensure that he/she completes the required course(s) by any deadline they may have with any licensing agency.

Real Estate Courses
It is the user's responsibility to pick the appropriate courses to satisfy the user's licensing requirements. For instance - if the user is licensed by TREC, and is on the 1st renewal, the user may need 60-90 hours of SAE credit. Real Estate CE courses cannot be used for SAE credit and conversely SAE hours cannot be used for CE legal credit.

NMLS Mortgage Courses
It is the user's responsibility to pick the appropriate courses to satisfy the user's licensing requirements. For instance - users may NOT take the same NMLS renewal CE course number 2 consecutive years. In addition - some States occasionally require State Specific topics. User agrees to confirm the course meets the user's licensing requirements prior to purchase.

Licensing Agencies
Licensing agencies may, on occasion, change renewal and/or pre-licensing education requirements. 123CE Inc is not responsible for these regulatory changes. For instance, such regulatory changes may change the required type of education or number of educational hours needed for renewal or to get licensed.

Refund Policy
User understands that problems and connection issues can arise when operating computers and the internet. 123CE Inc will not be held responsible for any delays or charges due to technical difficulties. 123CE Inc will not refund tuition for partially completed courses or packages. 123CE Inc will not refund tuition for courses purchased that do not meet the individual user's needs, however, user may pick different courses with prior approval from 123CE Inc. Any questions about the amount of credit that a course is approved for, should be resolved before purchasing a course. Once purchasing a course, the user must complete the course within 6 months. The user further understands and agrees that if the user disputes any or all of the charges made to the credit card for services rendered, user agrees to pay an additional $35.00 administration fee.

Credit Card Authorization
Authorization hold is the practice within the banking industry of authorizing electronic transactions completed with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold 'falls off'. In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1Ė5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds may last as long as 30 days, depending on the user's issuing bank. User agrees that 123CE Inc will not be held liable in any way for these holds or authorizations.

Issuing of Course Credit
Credit will not be issued on any partially completed course. All portions of a course must be completed, including any required assignments. User will provide a licensing agency license number if required to issue credit to. If user provides the incorrect license number, user will not hold 123CE Inc liable for the user's mistake. If payment has not been secured, the user understands that completion notification will NOT be forwarded to the user, any licensing agency, or any other entity until funds have cleared both the userís account and the schoolís bank account.

The actual course completion date will be utilized when determining if the licensee completed the course before their license expiration date. For users waiting until their deadline to finish their courses, please be aware that the completion date and time of the course will be at minimum, the number of hours the course is approved for. Users will ensure they complete any renewal applications and pay fees with any state agency requiring the renewal (prior to their expiration date). 123CE Inc is not responsible if credit is posted late for the user's deadline in the event TREC/NMLS is not accepting credit posting, or the TREC/NMLS systems are non-functional.


TREC Real Estate Course Completion/Certificate
Once you have completed a TREC CE course, the course progress to the right will show 100%. At that time, you will be able to print a course completion certificate for your records.

We submit course completions electronically to TREC several times every day between the hours of 9:00am-9:00pm (central time), as long as the TREC systems are not down for maintenance. Do not wait until the last minute of any deadlines you may have to complete your course(s).

As we receive confirmation, we will also email you a copy of the course completion certificate. Spam blockers do sometimes block those automated emails. If you do not receive one and need a copy for your records, log in to our website, and click on previously completed courses to print a copy. Reminder: if you purchased multiple courses, make sure to complete all courses. Once all your required courses have been processed by TREC, make sure to complete your renewal and pay your renewal fee.

NMLS Mortgage Course Completion/Certificate
Once you have completed an NMLS course, the course progress will show 100%. At that time, you will be able to print a course completion certificate for your records. 123CE Inc submits completions electronically to NMLS every day (between the hours of 9:00am-9:00pm (central time), as long as the NMLS systems are not down for maintenance. Do not wait until the last minute of any deadlines you may have to complete your course(s). As we receive confirmation that the course credit has been credit banked with NMLS, we will also email you a copy of that course completion certificate.

TREC CE Rules - CE Deferral Fee
Starting January 1, 2015, if your education is not posted with TREC and you try to renew your license and pay your renewal fee with TREC, you will be prompted to pay a $200 "deferral" fee.

How do you avoid this?

Complete your education early.

Warning:

Although TREC Rules allow school providers 10 days to issue credit, we submit CE credit electronically to TREC daily. This is the fastest way to get credit issued, but be advised, on a rare occasion, TREC's systems have been known to go down, sometimes for 24-48 hours. This can involve weekends. If this occurs, it may not be possible for any providers to issue your credit until TREC's systems are back up and running. This means it may not be posted in time with TREC to avoid paying the $200 deferral fee if you wait until your expiration date to complete your education. It is your responsibility to ensure you complete your education early enough to allow TRECís processing time for your course credit.

Suggestion:

To avoid all this, complete your education early. You are advised to complete your required renewal education at least 5 days prior to your expiration date and then pay your renewal fee with TREC. If you have questions concerning this TREC Rule, please call us for assistance.

Copyright Ownership and License
The information on this website is the property of 123CE Inc and protected by U.S. and international copyright laws.

Copyright Notice
Except as expressly prohibited on this website, you are permitted to view, copy, and print documents within this website (such as FAQs, papers, datasheets, and so on), subject to your agreement that all of the following conditions are met:

1. Your use of the information is for informational, personal, and noncommercial purposes only.

2. You will not modify the documents or graphics.

3. You will not copy or distribute graphics separate from their accompanying text and you will not quote materials out of their context.

4. You will display this copyright notice on all documents or portions of documents and retain any other copyright and other proprietary notices on any copy you make.

5. You agree that 123CE Inc may revoke this permission at any time and you shall immediately stop your activities related to this permission upon notice from 123CE Inc.

The permission above does not include permission to copy the design elements, look and feel, or layout of the website. Those elements are also protected by copyright law, and may not be copied or imitated in any manner.

Links to Other Websites
The 123CE Inc website may include hyperlinks to websites maintained or controlled by others. 123CE Inc is not responsible for and does not routinely screen, approve, review, or endorse the contents of or use of any of the products or services that may be offered at this or any other website. 123CE Inc advises you to review the individual privacy policies of the respective websites.

Minimum System Requirements
Student agrees to the following minimum system requirements and/or suggestions:

  • Computer - Obviously (includes optional iPad or Tablet)
  • Speakers - online courses occasionally have sound
  • Your own continuous Internet Connection - minimum 1.0 MBS recommended. Dial-up connection speeds may delay your course. Traveling? Wifi speeds on airplanes may cause delays
  • Internet Browser.
  • Your browser needs to be Javascript Enabled. (This is usually set as a default.)
  • Adobe Acrobat Reader or any other PDF viewer - For downloading completion forms or optional .pdf manuals (This usually already installed)
  • Our Learning Management System (LMS) has been tested on the latest versions of Internet Explorer, Apple Safari, Firefox, Google Chrome and Opera browsers.

Compatibility

While the 123CE website and LMS are designed and tested to work on all browsers, on a rare occasion, some security software programs, third party programs (such as internet advertising toolbars), and/or browser settings may affect operation. While 123CE Inc will endeavor to assist in those rare instances, it is not 123CE Inc's responsibility to correct those types of system operational issues on the Student's computer or device.

Advertisements
123CE Inc DOES NOT allow advertisements on its website, nor does it have any pop-up ads for any companies. If you are seeing pop-up ads while on the 123CEInc.com website, they are probably being caused by tool bars you have installed on your browser, not the 123CE Inc website.

Disclaimer of Warranties and Liability
This website is provided by 123CE Inc on an "as is" basis. 123CE Inc makes no representations or warranties of any kind, expressed or implied, as to the operation of the website or the information, content, or materials included on this website. To the full extent permissible by applicable law, 123CE Inc disclaims all warranties, expressed or implied. These services and information are provided without implied warranty of any kind, either expressed or implied, including without limitation, the implied warranties of merchantability, fitness for use of a particular purpose, or noninfringement. 123CE Inc will not be liable for any damages of any kind arising from the use of this website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

Authorization
By registering, user authorizes 123CE Inc to contact them via phone and/or email for all purposes. Calls to or from 123CE Inc may be monitored or recorded for training and other purposes.

Actions on Complaints
123CE Inc reserves the right to investigate suspected violations of this Agreement. If 123CE Inc becomes aware of possible violations, 123CE Inc may initiate an investigation that may include gathering information from you or any user involved and the complaining party, if any, and examination of other material. 123CE Inc may suspend the provision of the 123CE Inc Services, temporarily or permanently remove the material involved from the 123CE Inc servers, cancel posts, provide warnings to you, or suspend or terminate your access to the website. 123CE Inc will determine what action will be taken in response to a violation on a case-by-case basis, it is at the sole discretion of 123CE Inc. 123CE Inc will fully cooperate with law enforcement authorities in investigating suspected lawbreakers. Copyright violations should be reported to 123CE Inc.

Indemnification by User
User agrees to indemnify, defend and hold 123CE Inc and their affiliates harmless from any liability, loss, claim and expense, including attorney's fees related to a users' violation of these terms and conditions or the use of the services and information provided at this website.

Choice of Law/Forum Selection
The 123CE Inc websites are hosted on 123CE Inc computing resources located in Texas. You agree that any dispute arising out of or relating to these terms or any content posted to a website including copies and republication, whether based in contract, tort, statutory or other law, will be governed by the laws of the State of Texas, excluding its conflicts of law provisions. You further consent to the personal jurisdiction of and exclusive venue in the federal and state courts located in and serving Fort Bend County, Texas, as the legal forum for any such dispute.

Information Collection
Information
123CE Inc is the sole owner of the information collected on 123CEInc.com. 123CE Inc collects information from its users at several different points on the 123CE Inc website.

Registration
In order to use the services provided through this website, a user must complete the registration form. During registration a user is required to give contact information (such as name and email address). 123CE Inc may use this information to contact the user about services on the 123CE Inc website for which he has expressed interest.

Ordering
123CE Inc requests information from the user on its secure order and registration form. A user must provide contact information (such as name, email, and address) and financial information (such as credit card number and expiration date). This information is used for billing purposes and to fill users' orders. If 123CE Inc has trouble processing an order, the contact information is used to contact the user. In the event the registering user is using another person's credit card (3rd party card holder), 123CE Inc may require the card holder to sign an authorization form. If this situation arises, 123CE Inc will contact the user. 123CE Inc may require proper identification from users or cardholders. This policy is to protect the User, Cardholder, and 123CE Inc.

Information Use
Profile
123CE Inc may store information that it collects through log files and/or third parties to create a profile of its users. A profile is stored information that 123CE Inc keeps on individual users that details their viewing preferences. Consequently, collected information is tied to the user's personally identifiable information to provide offers and improve the content of the website for the user. This profile is used to tailor a userís visit to the 123CE Inc website, and to direct pertinent marketing promotions to them. 123CE Inc DOES NOT share a user's profile with any third parties, however, a user's profile and personal photo as entered by the user may be shown to other users when completing blog entries in certain courses.

Cookies
A cookie is a piece of data stored on the userís computer tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on the 123CE Inc website.

123CE Inc does not use tracking cookies.

Some of the 123CE Inc business partners use cookies on the 123CE Inc website (for example, Facebook, etc.). 123CE Inc has no access to or control over these cookies once we have given permission for them to set cookies for advertising.

Log Files
Like most standard website servers, 123CE Inc may use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the website, track userís movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Website
Special Offers and Updates
123CE Inc sends all new users a welcoming email to provide username and password, and purchase information. Established users will occasionally receive information on products, services, special discounts, and/or a newsletter. Out of respect for the privacy of the 123CE Inc users, 123CE Inc presents the option to not receive these types of communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if service is temporarily suspended for maintenance 123CE Inc may send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. Please see the Choice and Opt-out section.

Customer Service
123CE Inc communicates with users on a regular basis to provide requested services and regarding issues relating to their account. 123CE Inc will reply via email, fax and/or phone, in accordance with the user's wishes.

Sharing
Legal Disclaimer
Though 123CE Inc makes every effort to preserve user privacy, 123CE Inc may need to disclose personal information when required by law wherein 123CE Inc has a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on the 123CE Inc website.

Aggregate Information (non-personally identifiable)
123CE Inc may share aggregated demographic information with partners. This is not linked to any personally identifiable information.

Third Party Intermediaries
123CE Inc may use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes.

Service Providers
123CE Inc may partner with other third parties to provide specific services. When the user signs up for these particular services, 123CE Inc may share names, or other basic contact information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Business Transitions
In the event 123CE Inc goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, usersí personal information will, in most instances, be part of the assets transferred.

Choice/Opt-out
123CE Inc users are given the opportunity to Ďopt-outí of having their information used for purposes not directly related to the 123CE Inc website at the point. Users who no longer wish to receive the 123CE Inc newsletter and/or promotional communications may opt-out of receiving these communications by replying with unsubscribe in the subject line in the email or contact us at 281.692.0777. Users of the 123CE Inc website are always notified when their information is being collected by any outside parties. 123CE Inc does this so its users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links
This website contains links to other websites. Please be aware that 123CE Inc is not responsible for the privacy practices of such other websites. 123CE Inc encourages its users to be aware when they leave the 123CE Inc website and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

Chat Rooms, Message Boards, Blogs and Public Forums
Please keep in mind that whenever you voluntarily disclose personal information online - for example on message boards or blogs, through e-mail, or in chat areas - that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return.

Security
123CE Inc takes every precaution to protect its usersí information. When users submit sensitive information via the website, their information is protected both online and off-line. When the 123CE Inc registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as the 123CE Inc order form, the lock icon on the bottom or top of Web browsers such as Google Chrome becomes locked, as opposed to un-locked, or open, when users are just Ďsurfingí. While 123CE Inc uses SSL encryption to protect sensitive information online, it also does everything in its power to protect user-information off-line. All of its usersí information, not just the sensitive information mentioned above, is restricted in its offices. Only employees who need the information to perform a specific job (for example, a billing clerk or a customer service representative) are granted access to personally identifiable information. 123CE Inc employees must use password-protected computers to gain access to user information. Furthermore, ALL employees are kept up to date on security and privacy practices. If users have any questions about the security at the 123CE Inc website, users can send an email by clicking Contact at the bottom of the 123CE Inc website.

Correcting/Updating/Deleting/Deactivating Personal Information
If a userís personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires the 123CE Inc service, 123CE Inc provides a way to correct, update or deactivate usersí personally identifiable information. This can be done contacting Customer Support using the information listed below.

Notification of Changes
If 123CE Inc decides to change its privacy policy, it will post those changes to this privacy statement, the website, and other places it deems appropriate so its users are always aware of what information it collects, how 123CE Inc will use it, and under what circumstances, if any, 123CE Inc discloses it.

If, however, 123CE Inc is going to use usersí personally identifiable information in a manner different from that stated at the time of collection, 123CE Inc will notify users via email, or by posting a notice on the 123CE Inc website for 30 days.

Contact Information
If users have any questions or suggestions regarding the 123CE Inc privacy policy, please contact us at:

Phone: 281.692.0777
Updated: 07-23-2021

The course content is highly educative and relevant. Testimonial from Subhash in Allen, Texas

© 1999-2022 123CE INC * All rights reserved. Date: 08-11-2022 | Time: 10:32 PM (Central Time)
TREC CE Provider #655 | NMLS Provider #1400019

Disclaimers | Contact | Call us anytime @ 1.877.550.5808 or 281.692.0777 24/7/365

Need NAR Ethics? Click here to take it free from NAR.

123CEINC.com | 1.877.550.5808

Terms and Use of 123CE Inc Website and Services
This website or any portion of this website may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose that is not expressly permitted in writing by 123CE Inc dba 123ceinc.com (123CE Inc). By using and participating in this website or its services, you signify that you have read these terms and agree to be bound by and comply with them. If you do not agree to be bound by these terms, you are directed to promptly exit this website. 123CE Inc reserves the right to modify these terms at any time and will publish notice of any such modification online at this website. By continuing to access this website after notice of such modifications, you signify your agreement to be bound by the modifications.
Terms of Use
You may use the 123CE Inc website for lawful purposes only. You may not use the 123CE Inc website to post, transmit or otherwise distribute unlawful material. Examples of unlawful material include, without limitation, threats of physical harm, defamatory statements, pornographic material, copyrighted, trademarked or other proprietary material used without proper written authorization. You may not attempt to use or distribute tools designed for compromising security or take any action to compromise the security of this website. Examples of these tools include but are not limited to password guessing programs, cracking tools or network probing tools. You may not "flood" or disrupt the 123CE Inc website through any means or process. 123CE Inc has and user agrees, that 123CE Inc has the right to suspend, terminate or refuse any and all current or future use of this service for any or no reason.

Course Completion
After purchasing any TREC CE or NMLS CE course(s), the course(s) must be completed within 6 months. Should you need additional time, simply contact Customer Support prior to your course expiration, for an extension on the course(s). The courses can only be extended for up to one year from the original purchase date. If the course is no longer an actively approved course, the school will work with the student to replace the course with a different course which offers the same amount of credit and hours of instruction if one exists. If a course's approval with the regulatory agency expires, the course will be replaced with the new course or course number approved by the regulatory agency if one exists.

If you are purchasing a package of individual courses (for example - one of our 18 hour CE packages which is made up of 5 or more courses), it is your responsibility to ensure you complete all courses purchased in the package. No refunds will be offered on any individual courses not completed that were purchased within a package.


Student Conduct
Cheating
Any user found to be cheating may result in suspension or revocation of a license and or other penalties.

What is cheating?
Allowing another person other than yourself to complete ANY portion of ANY class including course material, quizzes and/or final exams. User agrees that user is the person enrolling and will complete all portions of the course(s) without the help or assistance of others. Users found to be cheating as determined by 123CE Inc, may be denied access or refused service.

Posting comments in the 123CE INC Learning Management System (LMS)
Student to student and student to instructor interaction and communication is available for use by all 123CE Inc students. 123CE Inc endeavors to foster an effective and meaningful learning environment for all students as well as the instructor. Users posting or using any of the following in the 123CE Inc LMS as determined by 123CE Inc, may be denied access or refused service:

  • Inappropriate language
  • Disparaging comments about another person or business
  • Any comments that are meant to be sarcastic and/or do not add meaningful discussion to the learning environment of other learners and users.
This doesn't mean you cannot be funny, but comments should either be informative or assist in fostering a meaningful learning environment for all.

Licensing Agency Requirements
It is the user's responsibility to ensure that the course(s) or package(s) chosen, comply with any credit the user may need for pre-license, renewal or state licensing purposes. It is the user's responsibility to ensure that he/she completes the required course(s) by any deadline they may have with any licensing agency.

Real Estate Courses
It is the user's responsibility to pick the appropriate courses to satisfy the user's licensing requirements. For instance - if the user is licensed by TREC, and is on the 1st renewal, the user may need 60-90 hours of SAE credit. Real Estate CE courses cannot be used for SAE credit and conversely SAE hours cannot be used for CE legal credit.

NMLS Mortgage Courses
It is the user's responsibility to pick the appropriate courses to satisfy the user's licensing requirements. For instance - users may NOT take the same NMLS renewal CE course number 2 consecutive years. In addition - some States occasionally require State Specific topics. User agrees to confirm the course meets the user's licensing requirements prior to purchase.

Licensing Agencies
Licensing agencies may, on occasion, change renewal and/or pre-licensing education requirements. 123CE Inc is not responsible for these regulatory changes. For instance, such regulatory changes may change the required type of education or number of educational hours needed for renewal or to get licensed.

Refund Policy
User understands that problems and connection issues can arise when operating computers and the internet. 123CE Inc will not be held responsible for any delays or charges due to technical difficulties. 123CE Inc will not refund tuition for partially completed courses or packages. 123CE Inc will not refund tuition for courses purchased that do not meet the individual user's needs, however, user may pick different courses with prior approval from 123CE Inc. Any questions about the amount of credit that a course is approved for, should be resolved before purchasing a course. Once purchasing a course, the user must complete the course within 6 months. The user further understands and agrees that if the user disputes any or all of the charges made to the credit card for services rendered, user agrees to pay an additional $35.00 administration fee.

Credit Card Authorization
Authorization hold is the practice within the banking industry of authorizing electronic transactions completed with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold 'falls off'. In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1Ė5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds may last as long as 30 days, depending on the user's issuing bank. User agrees that 123CE Inc will not be held liable in any way for these holds or authorizations.

Issuing of Course Credit
Credit will not be issued on any partially completed course. All portions of a course must be completed, including any required assignments. User will provide a licensing agency license number if required to issue credit to. If user provides the incorrect license number, user will not hold 123CE Inc liable for the user's mistake. If payment has not been secured, the user understands that completion notification will NOT be forwarded to the user, any licensing agency, or any other entity until funds have cleared both the userís account and the schoolís bank account.

The actual course completion date will be utilized when determining if the licensee completed the course before their license expiration date. For users waiting until their deadline to finish their courses, please be aware that the completion date and time of the course will be at minimum, the number of hours the course is approved for. Users will ensure they complete any renewal applications and pay fees with any state agency requiring the renewal (prior to their expiration date). 123CE Inc is not responsible if credit is posted late for the user's deadline in the event TREC/NMLS is not accepting credit posting, or the TREC/NMLS systems are non-functional.


TREC Real Estate Course Completion/Certificate
Once you have completed a TREC CE course, the course progress to the right will show 100%. At that time, you will be able to print a course completion certificate for your records.

We submit course completions electronically to TREC several times every day between the hours of 9:00am-9:00pm (central time), as long as the TREC systems are not down for maintenance. Do not wait until the last minute of any deadlines you may have to complete your course(s).

As we receive confirmation, we will also email you a copy of the course completion certificate. Spam blockers do sometimes block those automated emails. If you do not receive one and need a copy for your records, log in to our website, and click on previously completed courses to print a copy. Reminder: if you purchased multiple courses, make sure to complete all courses. Once all your required courses have been processed by TREC, make sure to complete your renewal and pay your renewal fee.

NMLS Mortgage Course Completion/Certificate
Once you have completed an NMLS course, the course progress will show 100%. At that time, you will be able to print a course completion certificate for your records. 123CE Inc submits completions electronically to NMLS every day (between the hours of 9:00am-9:00pm (central time), as long as the NMLS systems are not down for maintenance. Do not wait until the last minute of any deadlines you may have to complete your course(s). As we receive confirmation that the course credit has been credit banked with NMLS, we will also email you a copy of that course completion certificate.

TREC CE Rules - CE Deferral Fee
Starting January 1, 2015, if your education is not posted with TREC and you try to renew your license and pay your renewal fee with TREC, you will be prompted to pay a $200 "deferral" fee.

How do you avoid this?

Complete your education early.

Warning:

Although TREC Rules allow school providers 10 days to issue credit, we submit CE credit electronically to TREC daily. This is the fastest way to get credit issued, but be advised, on a rare occasion, TREC's systems have been known to go down, sometimes for 24-48 hours. This can involve weekends. If this occurs, it may not be possible for any providers to issue your credit until TREC's systems are back up and running. This means it may not be posted in time with TREC to avoid paying the $200 deferral fee if you wait until your expiration date to complete your education. It is your responsibility to ensure you complete your education early enough to allow TRECís processing time for your course credit.

Suggestion:

To avoid all this, complete your education early. You are advised to complete your required renewal education at least 5 days prior to your expiration date and then pay your renewal fee with TREC. If you have questions concerning this TREC Rule, please call us for assistance.

Copyright Ownership and License
The information on this website is the property of 123CE Inc and protected by U.S. and international copyright laws.

Copyright Notice
Except as expressly prohibited on this website, you are permitted to view, copy, and print documents within this website (such as FAQs, papers, datasheets, and so on), subject to your agreement that all of the following conditions are met:

1. Your use of the information is for informational, personal, and noncommercial purposes only.

2. You will not modify the documents or graphics.

3. You will not copy or distribute graphics separate from their accompanying text and you will not quote materials out of their context.

4. You will display this copyright notice on all documents or portions of documents and retain any other copyright and other proprietary notices on any copy you make.

5. You agree that 123CE Inc may revoke this permission at any time and you shall immediately stop your activities related to this permission upon notice from 123CE Inc.

The permission above does not include permission to copy the design elements, look and feel, or layout of the website. Those elements are also protected by copyright law, and may not be copied or imitated in any manner.

Links to Other Websites
The 123CE Inc website may include hyperlinks to websites maintained or controlled by others. 123CE Inc is not responsible for and does not routinely screen, approve, review, or endorse the contents of or use of any of the products or services that may be offered at this or any other website. 123CE Inc advises you to review the individual privacy policies of the respective websites.

Minimum System Requirements
Student agrees to the following minimum system requirements and/or suggestions:

  • Computer - Obviously (includes optional iPad or Tablet)
  • Speakers - online courses occasionally have sound
  • Your own continuous Internet Connection - minimum 1.0 MBS recommended. Dial-up connection speeds may delay your course. Traveling? Wifi speeds on airplanes may cause delays
  • Internet Browser.
  • Your browser needs to be Javascript Enabled. (This is usually set as a default.)
  • Adobe Acrobat Reader or any other PDF viewer - For downloading completion forms or optional .pdf manuals (This usually already installed)
  • Our Learning Management System (LMS) has been tested on the latest versions of Internet Explorer, Apple Safari, Firefox, Google Chrome and Opera browsers.

Compatibility

While the 123CE website and LMS are designed and tested to work on all browsers, on a rare occasion, some security software programs, third party programs (such as internet advertising toolbars), and/or browser settings may affect operation. While 123CE Inc will endeavor to assist in those rare instances, it is not 123CE Inc's responsibility to correct those types of system operational issues on the Student's computer or device.

Advertisements
123CE Inc DOES NOT allow advertisements on its website, nor does it have any pop-up ads for any companies. If you are seeing pop-up ads while on the 123CEInc.com website, they are probably being caused by tool bars you have installed on your browser, not the 123CE Inc website.

Disclaimer of Warranties and Liability
This website is provided by 123CE Inc on an "as is" basis. 123CE Inc makes no representations or warranties of any kind, expressed or implied, as to the operation of the website or the information, content, or materials included on this website. To the full extent permissible by applicable law, 123CE Inc disclaims all warranties, expressed or implied. These services and information are provided without implied warranty of any kind, either expressed or implied, including without limitation, the implied warranties of merchantability, fitness for use of a particular purpose, or noninfringement. 123CE Inc will not be liable for any damages of any kind arising from the use of this website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

Authorization
By registering, user authorizes 123CE Inc to contact them via phone and/or email for all purposes. Calls to or from 123CE Inc may be monitored or recorded for training and other purposes.

Actions on Complaints
123CE Inc reserves the right to investigate suspected violations of this Agreement. If 123CE Inc becomes aware of possible violations, 123CE Inc may initiate an investigation that may include gathering information from you or any user involved and the complaining party, if any, and examination of other material. 123CE Inc may suspend the provision of the 123CE Inc Services, temporarily or permanently remove the material involved from the 123CE Inc servers, cancel posts, provide warnings to you, or suspend or terminate your access to the website. 123CE Inc will determine what action will be taken in response to a violation on a case-by-case basis, it is at the sole discretion of 123CE Inc. 123CE Inc will fully cooperate with law enforcement authorities in investigating suspected lawbreakers. Copyright violations should be reported to 123CE Inc.

Indemnification by User
User agrees to indemnify, defend and hold 123CE Inc and their affiliates harmless from any liability, loss, claim and expense, including attorney's fees related to a users' violation of these terms and conditions or the use of the services and information provided at this website.

Choice of Law/Forum Selection
The 123CE Inc websites are hosted on 123CE Inc computing resources located in Texas. You agree that any dispute arising out of or relating to these terms or any content posted to a website including copies and republication, whether based in contract, tort, statutory or other law, will be governed by the laws of the State of Texas, excluding its conflicts of law provisions. You further consent to the personal jurisdiction of and exclusive venue in the federal and state courts located in and serving Fort Bend County, Texas, as the legal forum for any such dispute.

Information Collection
Information
123CE Inc is the sole owner of the information collected on 123CEInc.com. 123CE Inc collects information from its users at several different points on the 123CE Inc website.

Registration
In order to use the services provided through this website, a user must complete the registration form. During registration a user is required to give contact information (such as name and email address). 123CE Inc may use this information to contact the user about services on the 123CE Inc website for which he has expressed interest.

Ordering
123CE Inc requests information from the user on its secure order and registration form. A user must provide contact information (such as name, email, and address) and financial information (such as credit card number and expiration date). This information is used for billing purposes and to fill users' orders. If 123CE Inc has trouble processing an order, the contact information is used to contact the user. In the event the registering user is using another person's credit card (3rd party card holder), 123CE Inc may require the card holder to sign an authorization form. If this situation arises, 123CE Inc will contact the user. 123CE Inc may require proper identification from users or cardholders. This policy is to protect the User, Cardholder, and 123CE Inc.

Information Use
Profile
123CE Inc may store information that it collects through log files and/or third parties to create a profile of its users. A profile is stored information that 123CE Inc keeps on individual users that details their viewing preferences. Consequently, collected information is tied to the user's personally identifiable information to provide offers and improve the content of the website for the user. This profile is used to tailor a userís visit to the 123CE Inc website, and to direct pertinent marketing promotions to them. 123CE Inc DOES NOT share a user's profile with any third parties, however, a user's profile and personal photo as entered by the user may be shown to other users when completing blog entries in certain courses.

Cookies
A cookie is a piece of data stored on the userís computer tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on the 123CE Inc website.

123CE Inc does not use tracking cookies.

Some of the 123CE Inc business partners use cookies on the 123CE Inc website (for example, Facebook, etc.). 123CE Inc has no access to or control over these cookies once we have given permission for them to set cookies for advertising.

Log Files
Like most standard website servers, 123CE Inc may use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the website, track userís movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Website
Special Offers and Updates
123CE Inc sends all new users a welcoming email to provide username and password, and purchase information. Established users will occasionally receive information on products, services, special discounts, and/or a newsletter. Out of respect for the privacy of the 123CE Inc users, 123CE Inc presents the option to not receive these types of communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if service is temporarily suspended for maintenance 123CE Inc may send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. Please see the Choice and Opt-out section.

Customer Service
123CE Inc communicates with users on a regular basis to provide requested services and regarding issues relating to their account. 123CE Inc will reply via email, fax and/or phone, in accordance with the user's wishes.

Sharing
Legal Disclaimer
Though 123CE Inc makes every effort to preserve user privacy, 123CE Inc may need to disclose personal information when required by law wherein 123CE Inc has a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on the 123CE Inc website.

Aggregate Information (non-personally identifiable)
123CE Inc may share aggregated demographic information with partners. This is not linked to any personally identifiable information.

Third Party Intermediaries
123CE Inc may use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes.

Service Providers
123CE Inc may partner with other third parties to provide specific services. When the user signs up for these particular services, 123CE Inc may share names, or other basic contact information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Business Transitions
In the event 123CE Inc goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, usersí personal information will, in most instances, be part of the assets transferred.

Choice/Opt-out
123CE Inc users are given the opportunity to Ďopt-outí of having their information used for purposes not directly related to the 123CE Inc website at the point. Users who no longer wish to receive the 123CE Inc newsletter and/or promotional communications may opt-out of receiving these communications by replying with unsubscribe in the subject line in the email or contact us at 281.692.0777. Users of the 123CE Inc website are always notified when their information is being collected by any outside parties. 123CE Inc does this so its users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links
This website contains links to other websites. Please be aware that 123CE Inc is not responsible for the privacy practices of such other websites. 123CE Inc encourages its users to be aware when they leave the 123CE Inc website and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

Chat Rooms, Message Boards, Blogs and Public Forums
Please keep in mind that whenever you voluntarily disclose personal information online - for example on message boards or blogs, through e-mail, or in chat areas - that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return.

Security
123CE Inc takes every precaution to protect its usersí information. When users submit sensitive information via the website, their information is protected both online and off-line. When the 123CE Inc registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as the 123CE Inc order form, the lock icon on the bottom or top of Web browsers such as Google Chrome becomes locked, as opposed to un-locked, or open, when users are just Ďsurfingí. While 123CE Inc uses SSL encryption to protect sensitive information online, it also does everything in its power to protect user-information off-line. All of its usersí information, not just the sensitive information mentioned above, is restricted in its offices. Only employees who need the information to perform a specific job (for example, a billing clerk or a customer service representative) are granted access to personally identifiable information. 123CE Inc employees must use password-protected computers to gain access to user information. Furthermore, ALL employees are kept up to date on security and privacy practices. If users have any questions about the security at the 123CE Inc website, users can send an email by clicking Contact at the bottom of the 123CE Inc website.

Correcting/Updating/Deleting/Deactivating Personal Information
If a userís personally identifiable information changes (such as zip code, phone, email or postal address), or if a user no longer desires the 123CE Inc service, 123CE Inc provides a way to correct, update or deactivate usersí personally identifiable information. This can be done contacting Customer Support using the information listed below.

Notification of Changes
If 123CE Inc decides to change its privacy policy, it will post those changes to this privacy statement, the website, and other places it deems appropriate so its users are always aware of what information it collects, how 123CE Inc will use it, and under what circumstances, if any, 123CE Inc discloses it.

If, however, 123CE Inc is going to use usersí personally identifiable information in a manner different from that stated at the time of collection, 123CE Inc will notify users via email, or by posting a notice on the 123CE Inc website for 30 days.

Contact Information
If users have any questions or suggestions regarding the 123CE Inc privacy policy, please contact us at:

Phone: 281.692.0777
Updated: 07-23-2021

The course content is highly educative and relevant. Testimonial from Subhash in Allen, Texas

© 1999-2022 123CE INC * All rights reserved.
Date: 08-11-2022 | Time: 10:32 PM (Central Time)
Call us anytime @ 1.877.550.5808 24/7/365

TREC CE Provider #655 | TREC QE Provider #701055 | NMLS Provider #1400019