Terms & Conditions

Client Loan Service Definition:

CLCSLS provides document support services to Clients applying for a Federal Student Loan Consolidation with the DOE. CLCSLS will provide (A) a review of the Client’s current financial situation; (B) analyze and review available Federal Student Loan Consolidation programs offered by the DOE; and (C) on Client’s behalf, submit a Federal Student Loan Consolidation application with the DOE (the “Services”). CLCSLS does not negotiate any debts, nor offer any debt resolution services.

Nature of Services; No Legal or Tax Advice:

CLCSLS is a private company not affiliated with any government agency. CLIENT ACKNOWLEDGES THAT THE PROGRAMS THAT ARE AVAILABLE ARE FREE AT NO COST, IF CLIENT CHOOSE TO DO IT ON THEIR OWN. Client has retained CLCSLS to perform the work necessary that the client could have chosen to do themselves. The client acknowledges that CLCSLS is not a law firm, and that no legal or tax advice can or will be provided under this agreement. Client acknowledges and agrees that the services do not consist of any renegotiation, restructure, reduction or other adjustment of the terms of any existing loan or debt.

Refund:

If client’s Federal Student loan application is not approved for the program through DOE, CLCSLS will reimburse 100% of all client’s fees collected. Client also understands that a third party payment proceeds company will be pulling the client service fee payments. Client understands that CLCSLS is a document preparation company and does not guarantee a payment or loan term quoted by DOE web-site. However, CLCSLS guarantees a client will receive a federal student loan consolidation, or a repayment plan using current lenders, through DOE, subject to the following conditions: (1) client’s existing debts are original debts and have not been previously consolidated or reconstructed (2) Client fully cooperates with CLCSLS providing all information requested by CLCSLS and DOE, and that such information is complete and accurate; and (3) Clients loan application is not disqualified by the DOE due to issues or characteristics related to client. All refund requests must be in writing and faxed to us within 90 days of any loan application denial by DOE. CLCSLS will reimburse 100% of the service fee paid by Client.

Client Authorization:

I hereby authorize CLCSLS to verify my present employment earning records, bank accounts, and any other asset balances that are needed to prepare my documents to submit my Federal Student Loan Application on my behalf. It is understood that a copy of this agreement will also serve as my authorization. The information CLCSLS obtains is to be used solely in the Submission of Client’s application for a Federal Student Loan Consolidation and/or repayment program.

Processes:

The services will commence upon receipt of clients initial payment. CLCSLS relies on the applicable lender(s) and CLCSLS cannot be held liable for delayed completion due to delays in obtaining information or approvals from third parties or the DOE. The average completion time to process a Federal Student Loan Consolidation through CLCSLS is approximately ninety (90) days, unless rehabilitation is required for the client, or forbearance plan is necessary.

Rehabilitation; Garnishment:

If any of the client’s existing federal student loans are in default and/or the client is being garnished by any lender, CLCSLS will provide client the option of rehabilitating said loans. Once the rehabilitation process is completed, CLCSLS will consolidate the client’s federal student loans through the DOE. The rehabilitation of a loan in default will require an additional fee. CLCSLS cannot stop wage garnishments.

Arbitration and Choice of Law:

This agreement shall be governed by the laws of the State of California. In the event of any controversy, claim, or dispute between the parties arising out of, or relating to this agreement, the parties agree to resolve all issues solely through the use of binding arbitration with the American Arbitration Association (“AAA”). The arbitration shall take place in San Bernardino county, California or in the closest metropolitan area to the business of CLCSLS. There shall be a single arbitrator selected by the parties. The arbitrator shall have the sole authority to resolve any dispute relating to interpretation, applicability, enforceability, or information of this agreement. The award having jurisdiction over the parties. The parties further agree that either party may bring claims against the other only in their individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost of Arbitration, including attorney’s fees, equally, except as provided by AAA for consumer actions. These terms and conditions of service and the relationship of the parties shall be construed according to the laws of the State of California without giving consideration to principals of conflict of law. Customer and Company (a) irrevocably consent to the jurisdiction of the United States District Court and state courts of California; (b) Agree that any action relating to services performed by Company, shall only be brought in said courts; (c) Consent to the exercise of in person jurisdiction by said courts over it, and (d) Client further agrees that any action to enforce a judgement may be instituted in any jurisdiction.

Indemnification:

Client herby agrees to defend and hold harmless, CLCSLS from and against any liability of any nature whatsoever arising out of, or in connection with, clients breach of this agreement, or arising from any incomplete or inaccurate information provided by Client. The Client agrees to indemnify, defend and hold CLCSLS, its owners, employees, and/or agents to owners, employees and/or agents, or anyone related, from any claims and/or liabilities arising from CLCSLS’ performance of its obligations under this contract and/or any conduct of the Client, which violates any Federal, State, and/or other laws and further agrees to indemnify, and hold the company harmless against any and all liability, loss, damages, costs claims and/or expenses, including but not limited to reasonable attorney fees, which clients may hereafter incur, suffer or be required to pay by reason of such claims; in the event that any claim, suit or prosecution is brought against the Company, it shall give notice in writing to client by mail at the address on file provided by Client. In the event that any…client shall give notice to Company at Company’s Address: 11800 Central Ave #225A, Chino, CA 91710

Termination of Agreement:

The Client may cancel this contract at any time prior to being approved for Federal Student Loan Consolidation and receive 50% of funds paid. Client is entitled for a 100% refund on funds paid if loans that are consolidated through federal program are deemed not eligible for consolidation after going through consolidation process.

Entire Agreement:

This agreement embodies the entire understanding and agreement between the parties and all previous understandings, representatives, statements, undertakings and agreements, written or oral, are cancelled, withdrawn, and/or have merge into this agreement. This Agreement may not be amended except by writing, signed by both parties hereto, after the date of this agreement.

Client Warranty:

CLCSLS provides document support services to Clients applying for a Federal Student Loan Consolidation with the DOE. CLCSLS will provide (A) a review of the Client’s current financial situation; (B) analyze and review available Federal Student Loan Consolidation programs offered by the DOE; and (C) on Client’s behalf, submit a Federal Student Loan Consolidation application with the DOE (the “Services”). CLCSLS does not negotiate any debts, nor offer any debt resolution services.

Severability:

In the event any paragraphs and/or portion(s) hereof are found to be invalid and/or unenforceable, the remainder of that portion, and of the entire agreement will be severable and shall remain in full force and effect.