Terms and conditions

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Terms of Service 

1. Nature of Services

DOVE Student Loan Consultants LLC (“Company”) provides educational, advisory, and consulting services related to student loan repayment options, federal programs, and borrower strategies. The Company does not act as a lender, loan servicer, debt settlement provider, credit repair organization, financial institution, or legal representative.

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2. No Guarantees or Promises

Client understands and agrees that:

• The Company does not guarantee loan forgiveness, discharge, reduction, approval for any repayment plan, or specific financial outcome.

• Eligibility for any federal or private loan program is determined solely by lenders, loan servicers, or government agencies.

• Program availability and rules are subject to change and beyond the Company’s control.

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3. Client Responsibility

Client is responsible for:

• Providing complete and accurate information

• Submitting applications or documentation as instructed

• Making all payments directly to loan servicers or lenders

The Company does not collect, receive, or transmit loan payments on behalf of any lender, servicer, or government entity.

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4. Fees & Payment

Fees paid to the Company are for consulting time, analysis, and educational guidance only. Payment is required prior to service delivery unless otherwise agreed to in writing.

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5. Refund & Cancellation Policy

• Cancellations made at least 24 hours prior to a scheduled session may be eligible for rescheduling or refund, at the Company’s discretion.

• No refunds are issued once consulting services have been delivered.

• Missed appointments or failure to attend scheduled sessions are non-refundable.

This policy complies with applicable New Jersey consumer protection standards.

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6. No Legal or Financial Advice

The Company does not provide legal, tax, or accounting advice. Clients are encouraged to seek advice from licensed professionals regarding legal, tax, or financial matters.

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7. Limitation of Liability

To the fullest extent permitted by New Jersey law, the Company shall not be liable for:

• Actions or decisions made by loan servicers, lenders, or government agencies

• Changes in laws, regulations, or student loan programs

• Any indirect, incidental, consequential, or punitive damages

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8. Governing Law & Venue (New Jersey)

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict-of-law principles.

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located within the State of New Jersey.

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9. Severability

If any provision of these Terms is found unenforceable under New Jersey law, the remaining provisions shall remain in full force and effect.

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10. Acknowledgment of Understanding

By purchasing or using the Company’s services, Client acknowledges that they:

• Understand the scope and limitations of services

• Have not relied on any guarantee of results

• Agree to these Terms of Service in full