Terms of Service

Welcome to Elevate Financial Services ("Elevate Financial," "we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

1. Services Overview

Elevate Financial Services provides consultation and application assistance services to help students and graduates navigate federal student loan relief programs administered by the U.S. Department of Education. These programs include but are not limited to:

• Borrower Defense to Repayment
• Public Service Loan Forgiveness (PSLF)
• Income-Driven Repayment (IDR) Forgiveness
• Closed School Discharge
• Teacher Loan Forgiveness
• Total and Permanent Disability (TPD) Discharge

Important: Elevate Financial Services is a private company and is not affiliated with the U.S. Department of Education or any government agency. We are not a law firm, and we do not provide legal advice. Our services consist of consultation, document preparation, and application assistance.

2. No Guarantee of Results

While we strive to provide accurate guidance and thorough application preparation, we cannot and do not guarantee that any application submitted to the Department of Education will be approved. Federal loan relief decisions are made solely by the Department of Education based on their assessment of each individual case. We guarantee that the applications we prepare are complete and in accordance with the Department of Education's published guidelines and requirements.

3. Money-Back Guarantee

We offer a money-back guarantee on our paid services. If the Department of Education determines that the application we prepared and filed on your behalf was incomplete or not in accordance with their published guidelines and requirements, we will refund the service fee you paid. This guarantee applies to the quality and completeness of our application preparation work — it does not cover denials based on ineligibility for the underlying program or Department of Education policy decisions.

4. Free Consultation

Your initial federal program assessment is provided free of charge and with no obligation. During this assessment, we will review your situation, analyze your eligibility for available federal programs, and present your options. You are under no obligation to purchase any paid services as a result of the free assessment.

5. User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information about your student loans, education history, employment, and personal circumstances.
• Promptly provide any documentation requested by our team to support your application.
• Review and approve all applications and documentation before they are submitted on your behalf.
• Notify us of any changes to your circumstances that may affect your eligibility for federal programs.
• Use our website and services only for lawful purposes and in compliance with all applicable laws and regulations.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Elevate Financial Services or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Elevate Financial Services and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services. Our total liability for any claim arising from our services shall not exceed the fees paid by you for the specific service giving rise to the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless Elevate Financial Services and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

9. Third-Party Links and Resources

Our website may contain links to third-party websites, including official government resources such as the Department of Education website (studentaid.gov). We provide these links for your convenience and do not endorse or assume responsibility for the content, policies, or practices of any third-party site.

10. Privacy

Your use of our website and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Please review our Privacy Policy for more information.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website or services after any modification constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Elevate Financial Services is organized, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved exclusively in the competent courts of that jurisdiction.

13. Contact Information

If you have any questions or concerns regarding these Terms of Service, please contact us:

• Email: info@elevatefinancialservicesusa.com
• Phone: (877) 797-8980
• Hours: Monday – Friday, 8AM – 5PM PST