Skip to content

Terms of Service

Last updated: March 19, 2026

These Terms of Service ("Terms") govern your use of the CALM Certified website at calmcertified.com ("Website") and related services, including the CALM certification program and advisor directory. By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. Website Use

The Website is provided for informational and educational purposes. You may browse the Website, access publicly available content, and use the advisor directory to find CALM-certified professionals. You agree to use the Website only for lawful purposes and in compliance with these Terms.

You agree not to:

  • Use the Website in any way that violates applicable law or regulation
  • Scrape, crawl, or use automated tools to extract data from the Website without written permission
  • Interfere with or disrupt the Website's infrastructure or security
  • Impersonate any person or misrepresent your affiliation with any entity
  • Use information from the advisor directory for unsolicited marketing or spam

2. No Legal or Financial Advice

The content on this Website is for informational purposes only and does not constitute legal, financial, or tax advice. CALM Certified is not a law firm, financial advisor, or housing counselor. The information provided about foreclosure, short sales, loan modifications, and related topics is educational in nature.

If you are facing foreclosure or financial hardship, we strongly encourage you to consult with a HUD-approved housing counselor (call 1-800-569-4287), a licensed attorney, or a qualified financial professional.

3. CALM Certification Program

Enrollment and Payment

The CALM (Certified Advisor for Loss Mitigation) certification program is available to licensed real estate professionals. Enrollment is subject to the following terms:

  • Certification fee: $499 one-time enrollment fee
  • Annual renewal: $99 per year to maintain active certification status
  • Course access: self-paced online curriculum with 12 modules
  • Completion requirements: all modules and quizzes must be completed to earn the CALM designation

Refund Policy

If you are unsatisfied with the CALM certification program, you may request a full refund within 30 days of enrollment, provided you have not completed more than 25% of the course materials. Refund requests after this period or after exceeding the completion threshold will be considered on a case-by-case basis. To request a refund, contact us at support@calmcertified.com.

Certification Maintenance

CALM certification is valid for one year from the date of completion. To maintain active status, certified advisors must pay the annual renewal fee and comply with the CALM Code of Ethics. Failure to renew or violation of ethical standards may result in suspension or revocation of your certification.

4. CALM Badge and Trademark Usage

Upon earning the CALM designation, certified advisors receive a digital badge and marketing materials. Use of the CALM badge, logo, and related marks is subject to these conditions:

  • The CALM badge may only be used by advisors with active, current certification
  • The badge must not be altered, distorted, or used in a misleading way
  • The badge may be displayed on business cards, websites, email signatures, and marketing materials
  • Use of the badge must cease immediately upon certification expiration, suspension, or revocation
  • The CALM name and badge are trademarks of CALM Certified and may not be used to imply endorsement of products or services not affiliated with CALM Certified

5. Advisor Directory

The advisor directory lists CALM-certified professionals for the convenience of homeowners and the public. Directory listings are provided "as is." CALM Certified does not guarantee the availability, performance, or suitability of any listed advisor.

Inclusion in the directory is a benefit of active CALM certification. CALM Certified reserves the right to remove any listing at its discretion, including for violations of the Code of Ethics or these Terms.

Homeowners: connecting with an advisor through our directory does not create a client relationship with CALM Certified. Any engagement with an advisor is between you and that advisor. CALM Certified does not charge homeowners any fees to search or connect with advisors.

6. Intellectual Property

All content on this Website — including text, graphics, logos, images, course materials, and software — is the property of CALM Certified or its content suppliers and is protected by copyright and trademark laws. You may not:

  • Reproduce, distribute, or create derivative works from Website content without permission
  • Use CALM Certified trademarks (including "CALM," "CALM Certified," and associated logos) without written authorization
  • Copy, redistribute, or resell CALM certification course materials

You may share links to publicly available pages and quote brief excerpts with attribution for educational or editorial purposes.

7. User Content

If you submit content to us (such as contact form messages, testimonials, or reviews), you grant CALM Certified a non-exclusive, royalty-free license to use, display, and publish that content in connection with our services. You represent that you have the right to submit such content and that it does not infringe on any third party's rights.

8. Third-Party Links

The Website contains links to third-party websites, including American Default (americandefault.org), HUD resources, and other external sites. These links are provided for convenience and do not imply endorsement. CALM Certified is not responsible for the content, accuracy, or practices of linked websites.

9. Disclaimer of Warranties

The Website and all content, services, and materials are provided "as is" and "as available" without warranties of any kind, express or implied. CALM Certified disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, CALM Certified and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or services, including but not limited to loss of profits, data, or business opportunities. Our total liability for any claim related to these Terms shall not exceed the amount you paid to CALM Certified in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless CALM Certified and its affiliates from any claims, losses, or damages (including attorney's fees) arising from your violation of these Terms, your use of the Website, or your infringement of any third party's rights.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the state in which CALM Certified is incorporated, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts of that jurisdiction.

13. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms. For material changes, we will make reasonable efforts to notify registered users.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Contact

If you have questions about these Terms of Service, please contact us: