Privacy Policy and Terms of Service

Accessibility Statement

Loan Wise Solutions is committed to ensuring digital accessibility for all individuals, including people with disabilities. We strive to continually improve the user experience for everyone and apply relevant accessibility standards.

If you experience any difficulty accessing content on this website or need assistance with any part of our site or services, please contact us at supportassistance@loanwisesolutions.net. We will do our best to accommodate your needs and ensure you can fully benefit from our services.

Cookie Consent Notice

This website uses cookies to improve user experience, personalize content, and analyze traffic. By continuing to browse or use this site, you agree to the use of cookies as described in our Privacy Policy.

You can control and delete cookies through your browser settings. For more information about how we use cookies and how you can manage them, please review our Privacy Policy.

Disclaimer

Loan Wise Solutions is an independent student loan consulting service. We are not affiliated with or endorsed by the U.S. Department of Education, any federal loan servicer, or any government agency. All information provided is for general educational purposes and should not be considered legal, financial, or tax advice. You should consult a licensed professional for personalized assistance related to legal, financial, or tax matters.

While we strive to ensure the accuracy of information presented on our website and during consultations, federal student loan laws and policies change frequently, and we cannot guarantee the completeness or timeliness of the information provided. Clients are solely responsible for the decisions they make based on our guidance.

Use of our services does not guarantee loan approval, forgiveness, discharge, consolidation, or any specific loan outcome.

Privacy Policy

Effective Date: June 1, 2025

Loan Wise Solutions values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or use our services.

1. Information We Collect

We may collect the following types of information:

Personal information (e.g., name, email address, phone number)
Loan-related information shared during consultations
Payment details (processed securely through third-party platforms like Stripe, PayPal, etc.)
Website usage data through cookies or analytics tools

2. How We Use Your Information

We use the information to:

Provide you with student loan consulting services
Respond to inquiries or schedule consultations
Process payments
Send relevant updates, newsletters, or follow-up communication (with consent)

3. Sharing Your Information

We do not sell or rent your personal information. We may share your information only with trusted service providers for payment processing or website analytics.

4. Your Choices

You can:

Opt out of email communications at any time
Request access to or deletion of your personal data

5. Security

We take reasonable precautions to protect your information, but no method of transmission or storage is 100% secure.

Terms of Service

By using Loan Wise Solutions’ website and services, you agree to the following terms:

1. Consulting Services

We provide paid consultations to help individuals and families understand student loans, repayment plans, Parent PLUS options, and pre-college financial planning. These services are educational in nature and are not a substitute for legal, financial, or tax advice.

2. Fees and Payments

All fees for consultations are due prior to the appointment unless otherwise arranged. Fees are non-refundable unless otherwise stated in writing. Missed appointments may be rescheduled, but repeated no-shows may result in denial of future service.

Fees charged by Loan Wise Solutions LLC are payment for professional consultation time and the delivery of personalized educational guidance. Fees are not contingent upon, nor tied to, any specific loan modification, forgiveness, discharge, or financial outcome. Loan Wise Solutions LLC does not negotiate, settle, or modify debts on behalf of clients.

3. Client Responsibilities

Clients are responsible for providing accurate and complete information. We are not liable for any decisions made based on incomplete, false, or omitted data.

4. Intellectual Property

All website content, including guides, blog posts, and downloadable resources, is the intellectual property of Loan Wise Solutions. Reproduction without permission is prohibited.

5. Limitation of Liability

Loan Wise Solutions is not responsible for any financial, legal, or personal consequences resulting from actions taken based on our services. We are not liable for loan decisions made by servicers or government programs.

6. Changes to Terms

We reserve the right to modify these terms at any time. Updates will be posted on our website.

Disclaimer: Loan Wise Solutions is not affiliated with the U.S. Department of Education or any federal loan servicer. All guidance provided is for educational purposes only and should not be considered legal or financial advice.