WEBSITE TERMS OF SERVICE

Section 1.01 Acceptance. By using the Site you agree to these Terms and to our Website Privacy Policy. Where the Site asks you to confirm your agreement before you submit a form, create a profile, or use a protected area, your confirmation is your acceptance. If you do not agree, do not use the Site. If you use the Site on behalf of a school or other organization, you confirm that you have authority to bind that organization.

Section 1.02 Eligibility. The Site is intended for users who are at least eighteen years old and located in the United States. Loan products, where offered, are available only to eligible borrowers, only in states where the product may lawfully be offered, and are subject to credit review, underwriting approval, school certification, and applicable law. A product described on the Site may not be available in every state.

Section 2.01 Information Only. The Site provides information about education financing, tools to estimate costs and payments, and forms to express interest or begin an application. Nothing on the Site is an offer of credit, a commitment to lend, a preapproval, or a guarantee of any rate, term, or amount. Any offer of credit will be made in writing with the disclosures required by the Truth in Lending Act and other applicable law.

Section 2.02 No Advice. Content on the Site is not legal, financial, or tax advice. For information about existing federal student loans, contact your servicer or visit studentaid.gov.

Section 2.03 No Securities Offer. Nothing on the Site is an offer to sell, or a solicitation of an offer to buy, any security.

Section 2.04 Calculators and Estimates. Our calculators produce illustrative estimates based on the values you enter and on general assumptions about federal program rules. Results are not quotes, are not personalized advice, and may differ from actual costs, aid awards, rates, payments, or eligibility. Verify federal aid figures with your financial aid office or at studentaid.gov before making a borrowing decision.

Section 3.01 Accuracy. When you submit an inquiry or application you represent that the information you provide is accurate and complete and that you will update it if it changes. Submitting information does not create a lending relationship. Providing false or misleading information may result in denial or referral to the appropriate authorities.

Section 3.02 Review. All loan applications are subject to credit review and underwriting approval. We may verify the information you provide, request supporting documents, obtain consumer reports where you have authorized us to do so, and decline any request consistent with applicable law.

Section 3.03 Access Codes and Partner Portals. Some areas of the Site, including partner intake pages and administrative tools, require an access code or account. You are responsible for keeping credentials confidential and for activity that occurs under them. Access codes and secure links are issued to a specific recipient and may expire. We may suspend or revoke access at any time, including when we suspect misuse. School partners who submit institutional information agree to submit only information they are permitted to share.

Section 4.01 Prohibited Conduct. You agree not to: (a) use the Site for any unlawful or fraudulent purpose; (b) submit information about another person without that person's authorization; (c) attempt to access accounts, data, or systems you are not authorized to access, or probe or test our security; (d) scrape, harvest, or bulk download content, or use automated tools to submit forms; (e) introduce malware, interfere with the operation of the Site, or place an unreasonable load on our infrastructure; (f) copy, republish, or resell Site content or reverse engineer any part of the Site; or (g) misrepresent your identity, school affiliation, or authority to act for an organization.

Section 5.01 Ownership. The Site and its content, including text, graphics, logos, layouts, calculators, and software, are owned by us, our affiliates, or our licensors and are protected by intellectual property law. LOANAMERICA and related names and logos are trademarks of the Company or its affiliates or licensors. You may view and print content for personal, non-commercial use in evaluating education financing. All other rights are reserved.

Section 5.02 Your Submissions. You keep ownership of the information and documents you submit. You grant us a non-exclusive license to use, store, and process that material to respond to your request, evaluate an application, operate and improve the Site, and meet legal obligations, as described in our Website Privacy Policy. If you send us feedback or suggestions, we may use them without obligation to you.

Section 6.01 Links and Providers. The Site links to third-party resources such as studentaid.gov and school websites and relies on third-party providers for hosting, security, and communications. We do not control those services and are not responsible for their content, availability, or practices. Your use of a third-party service is governed by that provider's terms.

Section 7.01 Electronic Records. Where you begin an application, we will ask you separately to consent to receive records electronically under the federal Electronic Signatures in Global and National Commerce Act. That consent is not a condition of viewing the Site, and you may withdraw it by contacting us, which may prevent us from continuing an online application.

Section 7.02 Text Messages. We will send marketing text messages only if you give separate written consent on a form that discloses the program, message frequency, that message and data rates may apply, and how to stop messages. Consent to text messages is not a condition of any purchase or loan. You may reply STOP at any time. We may send transactional messages about an application or loan that you have requested.

Section 8.01 Disclaimer. The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, to the extent permitted by law. We do not warrant that the Site will be uninterrupted, secure, or error free, or that content, rates, or program information is complete or current. Federal aid rules change, and figures on the Site may not reflect the most recent guidance.

Section 8.02 Limitation of Liability. To the fullest extent permitted by law, the Company, its affiliates, and their officers, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or loss of educational or business opportunity, arising out of your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred dollars, except for liability that cannot be limited by law, including liability for gross negligence or willful misconduct.

Section 8.03 Rights Not Affected. Nothing in these Terms limits any right you have under consumer financial protection laws, privacy laws, or the terms of any loan agreement you sign.

Section 9.01 Organizational Users. If you use the Site on behalf of a school or other organization, you agree to indemnify and hold harmless the Company and its affiliates from claims, losses, and reasonable legal fees arising from your organization's misuse of the Site, violation of these Terms, or infringement of the rights of another person. This Section does not apply to an individual using the Site as a consumer.

Section 10.01 Governing Law. These Terms are governed by the laws of the State of Nevada, without regard to conflict of law rules, and by applicable federal law.

Section 10.02 Forum. Except where prohibited, any dispute relating to the Site will be brought in the state or federal courts located in Clark County, Nevada, and the parties consent to that jurisdiction. If a loan agreement you sign contains its own dispute resolution provisions, those provisions control matters arising under that agreement. Before filing a claim, please contact us so that we can try to resolve the issue directly.

Section 11.01 Changes. We may modify, suspend, or discontinue any part of the Site at any time. We may update these Terms, and the Effective Date shows the most recent revision. We will give notice of a material change on the Site, and your continued use after the change takes effect means you accept the revised Terms. If any provision is found unenforceable, the remainder stays in effect.

Section 11.02 Contact. Questions about these Terms may be sent to Support@loanamerica.com or to American Originations LLC, 350 S Rampart Street, Suite 200, Las Vegas, Nevada 89145. Our team is available Monday through Friday, 9:00 a.m. to 5:00 p.m. Pacific Time.