Terms of Service
Last Updated: August 2026
Refund Policy
Hope Credit offers full refunds if a client's federal student loan adjustment application is not approved by the Department of Education.
Service Agreement
This agreement governs Hope Credit's document preparation services for federal student loans.
Scope of Services
Services described in the proposal summary are approximations based on current knowledge. Hope Credit reserves the right to modify, add, or delete service elements during the agreement.
Dispute Resolution
Clients must notify Hope Credit within 5 days of month-end regarding service concerns; failure to do so waives dispute rights.
Authorization
Clients authorize Hope Credit to access accounts, create/modify passwords, and handle online submissions on their behalf.
Client Responsibilities
Clients must provide necessary financial information and communicate important details to all team members.
Expenses
Services are not evenly distributed monthly. Third-party costs including notary services, express mail, and overnight shipping are reimbursable.
No Guarantees
Hope Credit cannot guarantee federal agency approvals or outcomes.
Indemnification
Clients defend and indemnify Hope Credit from claims arising from services provided or fraudulent client information.
Warranties Disclaimed
Hope Credit disclaims all express and implied warranties including merchantability and fitness for a particular purpose.
Liability Limitations
Hope Credit's liability shall not exceed amounts paid by the client. The company is not liable for consequential damages, credit impacts, third-party charges, or punitive damages.
Communication
Hope Credit may send unsolicited communications; clients can opt out via email.
Confidentiality
Hope Credit will not disclose client information without written consent, excluding internal staff and affiliates.
Jurisdiction
Disputes are litigated in Riverside County, California under California law.
Duration & Termination
Minimum term is specified in the client acceptance section. Auto-renewal occurs month-to-month unless cancelled 5 days prior to expiration. Either party may terminate for breach with notice. Non-breach terminations require 30 days' notice after initial term completion. Early termination requires full payment of remaining initial term.
Terms of Use
Users may not distribute, modify, transmit, or download website content without written permission. All logos are registered trademarks.
Prohibited Activities
- Using services unlawfully
- Damaging or overburdening servers
- Hacking or unauthorized access attempts
- Bypassing security measures
Everything you see or read on this website is copyrighted unless otherwise noted and requires prior written permission for use. Users consent to information transmission for processing requests.
Hope Credit provides no accuracy warranties and assumes no liability for content errors. The website targets adult users; children under 18 are not eligible for commercial features.
All content is provided "as is" without warranties. Hope Credit shall not be liable to you or any third party for any delay in delivery or website modifications.
Communications sent to Hope Credit become non-confidential. Hope Credit is not responsible for linked websites' content. Terms may be revised; users are bound by current versions.
SMS and Text Message Communications
By providing your mobile phone number and opting in through an affirmative consent mechanism (for example, checking the SMS consent box on our contact form), you agree to receive SMS and MMS text messages from Hope Credit related to your account and service. These messages may include:
- Account notifications and status updates
- Document requests and submission confirmations
- Appointment confirmations and scheduling updates
- Servicer updates and program status messages
- Responses to your inquiries and support requests
Consent to receive text messages is not a condition of purchasing any Hope Credit goods or services.
Messaging frequency. Messaging frequency varies based on your account activity.
Message and data rates. Standard message and data rates may apply from your wireless carrier.
To opt out of text messages at any time, reply STOP to any Hope Credit text message. Upon receiving your STOP request, Hope Credit will send a single confirmation message and cease further SMS communications to that number. To resume messages later, you will need to opt in again.
For assistance, reply HELP to any Hope Credit text message, visit https://www.hopecredit.net, or contact us at support@hopecredit.net or (760) 916-9313.
Privacy. Hope Credit does not share, sell, or lease your SMS opt-in, phone numbers, or the consent record itself to any third party or affiliate for SMS marketing purposes. See our Privacy Policy (also available at https://www.hopecredit.net/privacy) for details on how we handle personal information.
Contact Information
6375 S Pecos Rd #224, Las Vegas, NV 89120
Phone: (760) 916-9313 or (877) 573-6462
Email: support@hopecredit.net
Hours: Mon–Fri, 8:30 AM–5:00 PM