SAFEPREPPRO LLC

Policies & Legal

Everything here is also available inside the member app. Last updated October 29, 2026 · Version 2.4.0.

About SafePrepPro

SafePrepPro, operated by SafePrepPro LLC, is the SAFE National MLO Licensing Exam Study Prep platform: a self-paced study platform for candidates preparing for the SAFE Mortgage Loan Originator National Test with Uniform State Content. It combines plain-English lessons, a 1,200+-question practice bank weighted to the official test content outline, full-length timed mock exams, an interactive loan simulator, study guides, calculators, flashcards, and reference sheets.

Every question in the bank is an original item written for this platform. Questions are modeled on the style, difficulty, and topic weighting of the national test but are not copied from, and do not reproduce, any actual exam content. The bank is updated continuously as federal rules and dollar thresholds change.

For mortgage branches and teams, SafePrepPro for Branches adds per-seat plans with manager oversight: invite recruits by email and track each one's server-verified readiness. Seat members' mock exams and practice sets are administered and graded on our servers, so the numbers a manager sees reflect real, timed work (not self-reported progress) and show exactly who is prepared to sit before you pay for a test-center seat.

Our goal is simple: that you walk into the testing center having already answered harder questions than the ones you will see.

Contact

Questions, corrections, feedback, or content concerns: we want to hear them.

Support & general inquiries

Email: [email protected]. We aim to respond within 2 business days.

Content corrections

Mortgage regulation changes. If you believe a question, explanation, or lesson is outdated or incorrect, use the Report a Problem control under the question in review mode, or email [email protected] with the question and the issue. Verified corrections ship in the next content release.

Legal & DMCA

Legal notices and DMCA claims: [email protected] (see the DMCA tab for required elements).

Privacy Policy

Your study data lives in two places: a working copy in your own browser (localStorage) and, for signed-in members with an active plan, a private synced copy tied to your account so your progress follows you across devices. Your study data is never shared with, sold to, or accessible by other users. For members studying on a branch or organization seat, mock exams and practice sets are additionally administered and graded on our servers, as described below.

What we store locally

Completed lessons, practice and exam results and their review archives, flashcard progress, scratch notes, theme preference, and login session state. Clearing your browser storage for this site deletes this local copy; if you are a signed-in member, your synced copy is restored the next time you sign in.

Cross-device sync

Signed-in members with an active plan sync their study state to our servers so it can be restored on any device they sign in to: lesson progress, practice and mock-exam history, loan-simulator progress and XP, flashcard scheduling, notes, and preferences. This synced copy is private to your account: it is not visible to other users, and for individual members it is not visible to anyone else at all. Branch managers see only the dashboard summaries described below, never your notes.

Branch seat accounts: server-verified results

If your access is provided through a branch or organization seat, your mock exams and practice sets are administered, timed, and graded on our servers. We store each attempt (score, per-domain accuracy, the answers you selected, and timing), and our administrators can see these records. On a branch seat, the manager who holds the seat can see your readiness, every graded attempt including the answer you chose on each question, your practice sets, the lessons you have completed and your activity history; can record your official exam result and a target exam date on your seat record, send you a study reminder (a nudge, at most one a week) and a weekly assignment that shows on your dashboard, keep a licensing checklist for you (dates and ticks only), and keep dated notes about your progress that are private to your branch's managers and never shown to you; and can receive a weekly digest of the branch's readiness and copy or download a coaching brief of recruits' readiness, with names off by default, which then leaves the platform. Your record stays with the organization after the seat is revoked or your account is deleted. Managers never see your scratch notes or flashcards. Attempt records, the assignments your manager sends, the licensing checklist they keep for you and their private manager notes are part of the organization's account and are retained while it remains active, including after you delete your own account; they are how your branch verifies exam readiness and coaches toward it. Your scratch notes and flashcard progress sync to your own private account copy exactly as they do for individual members; managers and administrators never see them.

Free diagnostic & study emails

If you take the free diagnostic and enter your email, we store that address with your score report so we can send the report, and, only if you ticked the consent box, three short study emails on days 2, 5 and 8 after the diagnostic (none once you buy a pass). Every such email includes a working one-click unsubscribe, and unsubscribes are honored permanently. If you open a Stripe checkout for the 90-Day Pass or branch seats and do not finish it, we may send up to two reminder emails: one when the checkout expires, about 24 hours after it opened, and one follow-up about 48 hours after that, never after you complete the purchase. We never buy, rent, or sell email lists.

Accounts, payments & email

To provide paid access and the manager log-in and dashboard, we use Memberstack for account authentication and Stripe for payment processing. We never see or store your full card details. We use your email address to operate your account and to send transactional messages (such as seat and manager invitations, delivered through our email provider). Individual members may also receive up to four service messages from us: two readiness milestone emails (at 50 and 70), a single post-exam check-in (“Did you take the SAFE exam?”), sent 14 days after your readiness score first reaches 80, and, if you report a pass, a single request for permission to quote you. Each carries a one-click unsubscribe, and none is repeated once answered or unsubscribed (a “Not yet” on the check-in asks again two weeks later). Members on the One-Month Plan also receive a renewal reminder three days before each charge, which is a billing notice. Branch/organization dashboards store seat and progress records to power manager oversight.

Service providers

These companies process member data for us, each for one job: Memberstack (account sign-in and the One-Month Plan's subscription; it holds your email, name and password), Stripe (payments for the 90-Day Pass, branch seats and, through Memberstack, the One-Month Plan; it holds your card details and billing email), Resend (delivers our transactional and service email; it receives the recipient address and the message), Supabase (hosts our database: synced study state, branch seat and attempt records, diagnostic leads and the email ledgers), Netlify (hosts the site and runs our scheduled email jobs, with standard hosting logs), Plausible (cookie-free analytics, no personal profiles) and Google Fonts (web fonts, with standard request metadata). No other company receives member data from the platform.

Analytics

We measure site usage with Plausible, a cookie-free analytics service: it counts page views and events without building personal profiles or using advertising identifiers. On the first page of a visit, our own script notes any utm_ parameters in the link you arrived by, the referring site's hostname and the landing path in your browser's session storage; if you then take the diagnostic, request a pilot or start a checkout, that source is stored with the record so we know which channel brought you. Web fonts load from Google Fonts, whose servers receive standard web-request metadata (IP address, user agent); standard hosting and security logs may record similar technical data.

Deleting your data and how long we keep it

To delete your account and data, email [email protected] from your account address. We remove the study records keyed to your account (synced study state, readiness snapshots, question reports and 90-day pass records), the rows that hold your email as a person (your diagnostic lead, the abandoned-checkout and renewal-reminder entries, and the lead rate-limit counter), and your Memberstack account, which ends any pass or subscription and the sign-in. If you held a branch seat or a manager login, your link to it is cleared. We keep: your unsubscribe record, so a later email cannot reach you; the seat row itself, with its email and status, as the organization's purchased record of who the seat was issued to, and the organization's manager row; the organization's server-graded exam and practice records, which stay with its account as described above; a consented quote, which holds only a first name and the quote and is removed by hand on request; pass reports, keyed by a one-way hash with no email, which feed the public pass-rate figure and cannot be traced back to you; and the organization's audit log of manager actions, a business record in which the acting manager and the recruit an action concerned appear by email. Until you ask, synced study state is kept while your account exists, and the local copy in your browser stays until you clear it.

What we do not do

We do not sell your personal information, and we do not share it for third-party advertising.

Terms of Service

These Terms of Service are an agreement between you and SafePrepPro LLC (“SafePrepPro,” “we,” “us”). By using the SAFE National MLO Licensing Exam Study Prep platform you agree to them.

License

You receive a personal, non-transferable license to use the platform for your own exam preparation. You may not resell, redistribute, scrape, or republish the question bank, lessons, or other content.

Access & billing

Individual access is sold two ways: as a 90-Day Pass, a one-time payment that unlocks access for 90 days from purchase (nothing renews and no card is kept on file), or as a One-Month Plan that renews each month until cancelled, with access through the end of the paid month. We email a renewal reminder three days before each charge. Cancel the One-Month Plan from your account page (Account, then Manage Subscription, which opens the Stripe customer portal); access runs to the end of the paid month. Branch and organization plans are per-seat subscriptions (3-seat minimum) that renew each billing period until cancelled, with the same reminder three days before each charge; cancel from the manager dashboard's Manage billing link, and cancelling stops future renewals at the end of the current paid period. Payments are processed by Stripe (via Memberstack for the One-Month Plan). Charges are non-refundable except where required by law. If you believe you were billed in error, contact [email protected] and we will make it right.

Exam integrity on branch seats

For branch and organization seats, mock exams and practice sets are administered and graded on our servers: attempts are timed, recorded, kept with your organization's account, limited to one graded mock per 24 hours, and visible to your organization's managers. Abandoning a timed attempt records it as taken. Attempting to falsify, manipulate, or automate results is prohibited and may result in loss of access.

Pass Guarantee (individual plans)

If you complete at least three full-length mock exams on this platform scoring 85% or higher within the 30 days before your official SAFE National Test attempt and do not pass, email [email protected] within 14 days of your attempt with your official result notice, and we will extend your individual access free for one additional term so you can prepare for the retake. One extension per member. Applies to individual plans; branch-seat access is managed by the sponsoring organization.

No guarantee of results

Exam outcomes depend on many factors. We do not guarantee that you will pass the SAFE National Test, obtain or keep a license, or obtain employment, and readiness estimates are informational only.

Content accuracy

Content is reviewed against current federal regulation as of the Last-updated date shown on this page, but laws and thresholds change and errors are possible. The official statutes, regulations, and NMLS publications are always authoritative.

Limitation of liability

The platform is provided “as is” without warranties of any kind. To the maximum extent permitted by law, our liability for any claim relating to the platform is limited to the amount you paid to use it.

Educational Disclaimer

SafePrepPro is an independent educational resource operated by SafePrepPro LLC. It is not affiliated with, endorsed by, or sponsored by the Nationwide Multistate Licensing System (NMLS), the Conference of State Bank Supervisors (CSBS), the State Regulatory Registry LLC, Prometric, the SAFE Act administrators, or any federal or state government agency.

“SAFE,” “NMLS,” and related marks are the property of their respective owners and are used solely to describe the examination this platform helps candidates prepare for.

This platform is exam preparation only. It is not NMLS-approved pre-licensure (PE) or continuing education (CE) and grants no credit hours toward any licensing requirement; the SAFE Act's 20-hour education requirement must be completed with an NMLS-approved course provider.

Nothing on this platform is legal, financial, tax, or compliance advice. Content summarizes regulations for exam-preparation purposes and omits nuance that matters in real transactions. For actual origination questions, consult your compliance department or counsel.

All practice questions are original works. Any resemblance to actual test items is coincidental and unintended.

Accessibility Statement

We want every candidate to be able to study here. The platform is built with semantic controls, keyboard-operable buttons, visible focus states, scalable text, and color pairings chosen for WCAG-AA contrast in both light and dark themes.

Known limitations

Some data visualizations (progress rings, bar charts) convey information by color and percentage label; the label always carries the information. The mock exam timer is visual. If you need timing accommodations, note that the real exam offers them too through NMLS.

Feedback

If you hit an accessibility barrier, email [email protected] with the page and assistive technology involved. Accessibility fixes are prioritized ahead of feature work.

DMCA Policy

We respect intellectual property rights and expect the same of our users. If you believe content on this platform infringes your copyright, send a notice to [email protected] containing:

1. Identification of the copyrighted work claimed to be infringed. 2. Identification of the material claimed to be infringing and where it appears. 3. Your contact information. 4. A statement of good-faith belief that the use is not authorized. 5. A statement, under penalty of perjury, that the information is accurate and you are authorized to act for the owner. 6. Your physical or electronic signature.

We will review complete notices promptly, remove or disable access to material where required, and may terminate access for repeat infringers. Counter-notices may be sent to the same address.