Terms and Conditions

1. Acceptance of These Terms

These Terms and Conditions (“Terms”) govern your access to and use of the Learning Leaders Academy LLC website, consultation services, educational resources, appointment-scheduling services, communications, and related offerings.

“Learning Leaders Academy,” “we,” “us,” and “our” refer to Learning Leaders Academy LLC. “You,” “your,” and “client” refer to the person accessing our website, purchasing a service, scheduling a consultation, or otherwise interacting with us.

By accessing our website, submitting a form, scheduling a consultation, purchasing services, or using our services, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy.

Do not use our website or services if you do not agree to these Terms.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to purchase or use our services.

A parent or legal guardian must act on behalf of a minor. Minors may not independently purchase services, provide payment information, or enter into agreements with Learning Leaders Academy LLC.

By using our services, you represent that the information you provide is accurate and that you meet the eligibility requirements described above.

3. Description of Services

Learning Leaders Academy LLC may provide educational and consultation services concerning subjects such as:

• Student-loan questions;

• General repayment-plan education;

• Forgiveness-program guidance;

• Application and document assistance;

• Career and education planning;

• Educational-resource support;

• Appointment-based consultations;

• Organizational assistance;

• General program information; and

• Related educational services.

The specific scope of a service will be described on the relevant service page, invoice, appointment page, consultation agreement, proposal, or other written communication.

We may add, change, suspend, or discontinue services at any time, subject to existing contractual obligations.

4. Educational Nature of Services

Our services are educational and informational.

Learning Leaders Academy LLC:

• Is not a law firm;

• Does not provide legal representation;

• Does not provide individualized legal, tax, investment, or accounting advice;

• Is not a bank or lender;

• Does not originate or service loans;

• Does not collect student-loan payments;

• Does not issue federal benefits;

• Does not determine eligibility for government programs;

• Is not the U.S. Department of Education;

• Is not Federal Student Aid;

• Is not a federal student-loan servicer; and

• Is not authorized to make decisions on behalf of a government agency, lender, school, or loan servicer.

Information provided during a consultation should not be treated as a substitute for advice from a qualified attorney, accountant, financial professional, government agency, or loan servicer.

5. No Government Affiliation

Learning Leaders Academy LLC is a private educational consulting business.

We are not affiliated with, endorsed by, sponsored by, or acting on behalf of:

• The U.S. Department of Education;

• Federal Student Aid;

• Any federal or state agency;

• A college or university;

• A student-loan servicer;

• A lender;

• A guaranty agency; or

• A forgiveness or discharge program.

Official student-loan information and certain application assistance may be available without charge from government agencies and loan servicers.

Our fee is for our time, educational guidance, organizational assistance, and consultation services—not for access to a government program or guaranteed result.

6. No Guarantee of Results

Learning Leaders Academy LLC does not guarantee:

• Loan forgiveness;

• Loan discharge;

• Program eligibility;

• Approval of an application;

• Reduction of a monthly payment;

• Reduction of a loan balance;

• Acceptance of documents;

• Correction of a loan record;

• Approval of consolidation;

• Approval of a repayment plan;

• A particular interest rate;

• A particular timeline;

• Employment, admission, or educational outcomes; or

• Any financial or legal result.

Decisions are made by the applicable government agency, lender, loan servicer, school, employer, or program administrator.

Past results, examples, educational materials, or client experiences do not guarantee future outcomes.

7. Client Responsibilities

You are responsible for:

• Providing complete and accurate information;

• Reviewing documents before submission;

• Verifying deadlines and program requirements;

• Maintaining copies of relevant records;

• Communicating directly with your loan servicer or government agency when required;

• Monitoring your accounts and correspondence;

• Attending scheduled consultations on time;

• Using a compatible device and internet connection;

• Making your own financial and educational decisions;

• Personally signing or certifying applications;

• Personally submitting account actions when required; and

• Seeking advice from licensed professionals when appropriate.

You must promptly notify us if information you provided changes or you discover an error.

8. StudentAid.gov and Account Credentials

You must access your own StudentAid.gov account using your own credentials and device.

You agree not to provide Learning Leaders Academy LLC with:

• Your username;

• Password;

• Multifactor-authentication code;

• Backup code;

• Security-key access;

• Security-question answers; or

• Any other credential that would permit independent access to your account.

Learning Leaders Academy LLC will not knowingly:

• Request your password;

• Store your password;

• Log in as you;

• Impersonate you;

• Use your account as though we were you;

• Ask you to transfer control of your account; or

• Retain authentication information.

During a virtual consultation, you may be asked to share your screen. You must log in yourself, retain control of your computer, and personally approve any action or submission.

You may stop screen sharing at any time.

9. Appointments and Technology Requirements

Consultations may be conducted through a third-party video-conferencing platform unless otherwise stated.

You may be required to:

• Use a laptop or desktop computer;

• Maintain a stable internet connection;

• Use a functioning browser;

• Access your email;

• Share your screen;

• Log in to relevant accounts yourself; and

• Have requested documents available.

Mobile devices may not provide adequate screen-sharing or website functionality.

You are responsible for confirming that your equipment works before your appointment. Technical problems on your side do not automatically entitle you to a refund.

10. Scheduling

Appointments are subject to availability and are not confirmed until:

• The required appointment information has been submitted;

• Payment has been received when applicable; and

• You receive a confirmation from Learning Leaders Academy LLC or its scheduling system.

You are responsible for checking the appointment date, time, time zone, meeting link, and preparation instructions.

11. Fees and Payments

Fees will be displayed on the website, appointment page, invoice, agreement, or other written communication.

Unless otherwise stated:

• Payment is due at the time of booking;

• An invoice not paid during booking is due within 48 hours after issuance;

• An appointment may be released if payment is not received when due;

• Applicable taxes or processing fees may be added when permitted;

• All amounts are stated in U.S. dollars; and

• Payment must be made using an approved payment method.

A consultation may be priced at $147 unless a different price or promotion is displayed at the time of purchase.

Promotional prices apply only under the terms of the applicable promotion.

12. Cancellation and Rescheduling

Requests to cancel or reschedule a paid appointment must be received at least 48 hours before the scheduled appointment.

Requests may be submitted using:

• The rescheduling or cancellation link provided;

• Email to info@learningleadersacademy.org; or

• Voicemail at 888-708-9182.

When at least 48 hours’ notice is provided, you may be permitted to reschedule the appointment, subject to availability and any limits stated in your consultation agreement.

Unless otherwise stated, an approved rescheduled appointment must occur within 14 days of the original appointment date.

Appointments may be rescheduled only once unless Learning Leaders Academy LLC agrees otherwise in writing.

13. Missed Appointments and Late Cancellations

The following may result in forfeiture of the appointment fee:

• Failure to attend;

• Arrival too late to complete the consultation;

• Cancellation with less than 48 hours’ notice;

• Rescheduling with less than 48 hours’ notice;

• Failure to use the required technology;

• Failure to provide required preparation information; or

• Failure to attend a previously rescheduled appointment.

Appointment times are reserved specifically for the client and may prevent another person from booking that time.

Learning Leaders Academy LLC may provide a courtesy exception at its discretion. A past exception does not require us to make future exceptions.

14. Refund Policy

Except where required by applicable law, consultation fees and other service fees are non-refundable after payment.

Fees compensate Learning Leaders Academy LLC for:

• Reserved appointment time;

• Preparation;

• Administrative work;

• Educational resources;

• Consultation services; and

• Other work performed in connection with the service.

No refund is guaranteed because:

• You change your mind;

• You are dissatisfied with a government or servicer decision;

• You are not eligible for a program;

• You fail to provide requested information;

• You fail to attend;

• You do not achieve a desired result; or

• A processing agency takes longer than expected.

Nothing in these Terms limits any non-waivable right or remedy available under applicable law.

15. Accuracy of Information

You are responsible for the accuracy of all information and documents you provide.

Learning Leaders Academy LLC may rely on information supplied by you but does not guarantee that third-party records, government information, loan-servicer data, or documents are complete or accurate.

We are not responsible for an outcome caused by:

• Missing information;

• Inaccurate information;

• Misleading information;

• Delayed documents;

• Missed deadlines;

• Failure to respond to an agency or servicer;

• Changes made after our consultation; or

• Actions taken without informing us.

16. Applications and Documents

Application assistance may include explaining terminology, identifying missing information, organizing documents, or helping you understand general submission requirements.

Unless expressly agreed in writing:

• You remain the applicant;

• You must review all information;

• You must make all certifications;

• You must personally sign;

• You must authorize any submission; and

• You are responsible for confirming receipt and status.

We do not guarantee that a form is complete, accepted, approved, or processed within a particular period.

17. Communications

You agree that we may communicate with you using the contact information you provide for purposes related to:

• Your inquiry;

• Appointment scheduling;

• Payment;

• Service delivery;

• Requested information;

• Customer support;

• Document status;

• Policy notices; and

• Other legitimate business communications.

You are responsible for keeping your email address and telephone number current.

Email and internet communications may not always be secure, immediate, or error-free. You should not send passwords or authentication codes by email, text message, or contact form.

18. SMS Messaging Terms

A. Program Name

The program is known as the Learning Leaders Academy LLC SMS Program.

B. Separate Messaging Categories

Learning Leaders Academy LLC may offer separate consent options for:

1. Non-marketing or service-related messages; and

2. Marketing or promotional messages.

Consent to one category does not automatically constitute consent to the other.

C. Non-Marketing Messages

Non-marketing messages may include:

• Consultation confirmations;

• Appointment reminders;

• Scheduling updates;

• Responses to inquiries;

• Requested resources;

• Document or service updates;

• Follow-ups related to requested services; and

• Customer-support communications.

Non-marketing consent may be obtained through a separate written checkbox or another legally permitted consent method.

D. Marketing Messages

Marketing messages may include:

• Special offers;

• Discounts;

• Consultation promotions;

• Educational-program promotions;

• Promotional announcements;

• Event notices; and

• Other marketing communications.

Marketing messages, including recurring or automated marketing text messages, will be sent only after you provide separate express written consent.

Providing your telephone number alone does not constitute marketing consent.

Marketing consent is optional and is not a condition of:

• Purchasing a service;

• Scheduling a consultation;

• Obtaining assistance;

• Submitting a contact form; or

• Receiving non-marketing communications.

E. Message Frequency

Message frequency varies depending on your selections, appointments, requests, interactions, and the applicable messaging program.

F. Message and Data Rates

Message and data rates may apply according to your wireless carrier and plan.

Learning Leaders Academy LLC does not control charges imposed by your carrier.

G. Opt-Out Instructions

Reply STOP to unsubscribe from text messagesReply STOP to unsubscribe from text messages.

Other reasonable revocation requests will be honored as required by applicable law.

After opting out, you may receive one final non-promotional confirmation stating that your request has been processed. No additional messages from the applicable program will be sent unless you provide new consent.

H. Help Instructions

Reply HELP for assistance.

You may also contact:

Phone: 888-708-9182
Email: info@learningleadersacademy.org

I. Re-Enrollment

After opting out, you must provide new affirmative consent before recurring messages resume. Where supported, you may also use an authorized re-enrollment keyword such as START or UNSTOP.

J. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message delivery may be affected by carrier availability, network conditions, device compatibility, or other factors outside our control.

K. Mobile Privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text-messaging originator opt-in data and consent will not be sold, rented, or shared with third parties, except service providers and telecommunications providers that support delivery of our messaging program.

For additional information, review our Privacy Policy. The words “Privacy Policy” must be linked to the public Privacy Policy page when this section is published.

19. Consent Records

You agree that Learning Leaders Academy LLC may retain records of:

• Consent language presented;

• Checkbox selections;

• Date and time of consent;

• Telephone number;

• Form or consent source;

• Relevant IP or device information;

• Verbal-consent records when permitted;

• Opt-out requests; and

• Re-enrollment requests.

These records may be maintained to operate our messaging programs, respect communication preferences, demonstrate compliance, and respond to disputes.

20. Electronic Communications and Signatures

You consent to receiving agreements, notices, receipts, policies, and service communications electronically when permitted by law.

Electronic signatures, initials, checkboxes, and online acceptances may be treated as the legal equivalent of handwritten signatures to the extent permitted by applicable law.

You are responsible for retaining copies of documents provided electronically.

21. Acceptable Use

You may not use our website or services to:

• Violate a law or regulation;

• Submit fraudulent or misleading information;

• Impersonate another person;

• Access another person’s account without authorization;

• Interfere with website security;

• Introduce malicious code;

• Scrape or copy website content using automated tools without permission;

• Harass our personnel or other users;

• Infringe intellectual-property rights;

• Attempt to obtain unauthorized access to systems or records;

• Use our services to facilitate fraud or identity theft; or

• Misrepresent your relationship with Learning Leaders Academy LLC.

We may restrict or terminate access when we reasonably believe these Terms have been violated.

22. Intellectual Property

The website and its content may include:

• Text;

• Graphics;

• Logos;

• Educational materials;

• Videos;

• Documents;

• Worksheets;

• Forms;

• Course materials;

• Designs;

• Branding; and

• Other content.

Unless otherwise stated, this content is owned by or licensed to Learning Leaders Academy LLC and is protected by applicable intellectual-property laws.

You may use materials provided to you for your personal, noncommercial educational use.

You may not, without written permission:

• Copy or reproduce materials for commercial use;

• Resell materials;

• Publish materials publicly;

• Remove copyright or ownership notices;

• Create competing products from our materials;

• Distribute login-protected resources; or

• Represent our content as your own.

23. Third-Party Services and Links

Our website or services may use or link to third-party providers for:

• Payment processing;

• Scheduling;

• Video conferencing;

• Email;

• Text messaging;

• Document storage;

• Government services;

• Loan-servicer information; and

• Other external services.

Learning Leaders Academy LLC does not control third-party platforms and is not responsible for their:

• Availability;

• Accuracy;

• Security;

• Terms;

• Privacy practices;

• Processing times;

• Decisions; or

• Technical failures.

Your use of a third-party service is governed by that provider’s terms and privacy policy.

24. Service Availability

We do not guarantee that the website or services will always be available, uninterrupted, secure, or free from errors.

Access may be interrupted because of:

• Maintenance;

• Technology failures;

• Internet outages;

• Third-party service interruptions;

• Security incidents;

• Weather;

• Emergencies;

• Government actions; or

• Events outside our reasonable control.

We may modify or suspend website features without prior notice.

25. Disclaimer of Warranties

To the fullest extent permitted by law, the website, educational materials, and services are provided on an “as is” and “as available” basis.

Learning Leaders Academy LLC disclaims all warranties not expressly stated in writing, including implied warranties of:

• Merchantability;

• Fitness for a particular purpose;

• Accuracy;

• Availability;

• Non-infringement;

• Completeness; and

• Results.

We do not warrant that:

• Information will always be current or error-free;

• Every option discussed will be available to you;

• A government agency or servicer will agree with our interpretation;

• Third-party websites will remain available; or

• Use of our services will produce a specific result.

Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent permitted by law.

26. Limitation of Liability

To the fullest extent permitted by law, Learning Leaders Academy LLC and its owners, employees, contractors, representatives, and agents will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to:

• Use of the website;

• Use of educational information;

• A consultation;

• A missed deadline;

• A government or servicer decision;

• Loss of data;

• Loss of income;

• Loss of opportunity;

• Account or technology problems;

• Reliance on third-party information; or

• Unauthorized account access not caused by our failure to use reasonable safeguards.

To the fullest extent permitted by law, our total aggregate liability for a claim related to a specific paid service will not exceed the amount you paid Learning Leaders Academy LLC for that specific service.

This limitation does not apply where prohibited by law or to liability that cannot legally be limited.

27. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Learning Leaders Academy LLC and its owners, employees, contractors, and representatives from claims, losses, liabilities, expenses, and reasonable legal fees arising from:

• Your violation of these Terms;

• Your misuse of the website or services;

• Fraudulent or inaccurate information you submit;

• Your infringement of another person’s rights;

• Your unauthorized use of another person’s account; or

• Unlawful conduct associated with your use of our services.

This section does not require indemnification for liability caused solely by Learning Leaders Academy LLC’s unlawful conduct.

28. Suspension or Termination

We may suspend, refuse, or terminate services when:

• Payment is not received;

• A client violates these Terms;

• A client threatens or harasses personnel;

• Fraud or misuse is suspected;

• Continuing the relationship would create legal, ethical, security, or safety concerns;

• Information necessary to provide the service is not supplied; or

• We determine that the requested service is outside our scope.

Termination does not eliminate payment obligations for work already performed or appointment time already reserved.

29. Force Majeure

Learning Leaders Academy LLC will not be responsible for delay or failure caused by circumstances beyond our reasonable control, including:

• Natural disasters;

• Severe weather;

• Fire;

• Power or internet outage;

• Cyberattack;

• Labor disruption;

• Public-health emergency;

• Government action;

• War or civil unrest;

• Carrier outage;

• Platform failure; or

• Failure of a third-party provider.

We will use reasonable efforts to resume affected services when practical.

30. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law rules, except where federal law or another mandatory law applies.

To the extent legally permitted, legal proceedings concerning these Terms or our services must be brought in a state or federal court with jurisdiction over Montgomery County, Pennsylvania.

31. Severability

If any provision of these Terms is found invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted or removed, and the remaining provisions will continue in effect.

32. No Waiver

Failure to enforce a provision of these Terms does not waive our right to enforce that provision or any other provision later.

A waiver is effective only when made in writing by an authorized representative of Learning Leaders Academy LLC.

33. Assignment

You may not assign your rights or obligations under these Terms without our written consent.

We may assign these Terms as part of a merger, sale, reorganization, transfer of assets, or similar business transaction, subject to applicable law.

34. Entire Agreement

These Terms, our Privacy Policy, and any applicable consultation agreement, invoice, proposal, or service-specific terms constitute the agreement between you and Learning Leaders Academy LLC regarding the applicable services.

When a signed service-specific agreement directly conflicts with these Terms, the service-specific agreement will control for that service.

35. Changes to These Terms

We may update these Terms to reflect changes in:

• Services;

• Business operations;

• Technology;

• Legal requirements;

• Payment practices;

• Messaging programs; or

• Other operational needs.

The revised Terms will be posted with an updated effective or last-updated date.

Changes apply prospectively unless otherwise permitted by law.

36. Contact Information

Questions about these Terms may be directed to:

Learning Leaders Academy LLC
610 Old York Road, Suite #400
Jenkintown, PA 19046

Phone: 888-708-9182
Email: info@learningleadersacademy.org