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.
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.
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.
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
|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:
This doesn't mean you cannot be funny, but comments should either be
informative or assist in fostering a meaningful learning environment for all.
- 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.
|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 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.
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.
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.
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.
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
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
|Minimum System Requirements
Student agrees to the following minimum system requirements and/or
- 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.
- 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.
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.
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.
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
|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.
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.
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.
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 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.
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.
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
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
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
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.
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
|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
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.
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.
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.
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.
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
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
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.
If users have any questions or suggestions regarding the 123CE Inc privacy
policy, please contact us at:
This course is really preparing me to work with contracts as a licensed agent. It brought to my attention situations that I didn't even think about. I felt that this was an excellent course. Testimonial from Debra in Houston, Texas
© 1999-2022 123CE INC * All rights reserved.
Date: 10-01-2022 | Time: 12:35 AM (Central Time)
Call us anytime @ 1.877.550.5808 24/7/365
TREC CE Provider #655 | TREC QE Provider #701055 | NMLS Provider #1400019