Last Updated: November 21, 2025
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Student Debt Shield ("Company," "we," "us," or "our") regarding your use of our website studentdebtshield.com (the "Site") and document preparation services (the "Services").
By accessing our Site or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access our Site or use our Services.
Student Debt Shield is a document preparation service that assists clients in completing and submitting federal student loan forms and applications. Our Services include, but are not limited to:
Please Read Carefully:
To use our Services, you must:
You are responsible for all activities that occur under your account. We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion.
Our Services are provided for a fee, which will be clearly disclosed to you before you engage our Services. Payment terms include:
Failed payments may result in suspension or termination of Services. You are responsible for any collection costs, legal fees, or other expenses incurred in collecting overdue payments.
As a client, you agree to:
Failure to provide accurate information or fulfill your responsibilities may result in delays, application denials, or termination of Services.
All content on our Site, including text, graphics, logos, images, software, and trademarks, is the property of Student Debt Shield or its licensors and is protected by U.S. and international copyright and trademark laws.
You may not copy, reproduce, distribute, modify, or create derivative works from our content without our express written permission. Limited use is permitted for personal, non-commercial purposes only.
You agree not to:
IMPORTANT LIABILITY LIMITATION:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STUDENT DEBT SHIELD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
We are not liable for application denials, payment outcomes, delays by loan servicers, changes in federal programs, or any decisions made by the U.S. Department of Education or loan servicers.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that:
You agree to indemnify, defend, and hold harmless Student Debt Shield and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your use of our Services; (b) your violation of these Terms; (c) your violation of any law or third-party rights; or (d) any information you provide to us.
We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including:
Upon termination, your right to use our Services will immediately cease. Termination does not relieve you of your payment obligations for services already rendered.
Binding Arbitration: Any dispute arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), rather than in court, except that you may assert claims in small claims court if your claims qualify.
Class Action Waiver: You agree that disputes will be resolved on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Exceptions: Either party may seek injunctive relief in court for intellectual property infringement or unauthorized use of our Services.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our principal office is located, without regard to conflict of law provisions.
To the extent arbitration does not apply, you agree to submit to the personal jurisdiction of the state and federal courts located in our jurisdiction for resolution of any disputes.
Right to Cancel: You have the right to cancel our Services within three (3) business days of signing the service agreement for a full refund, provided no work has been performed.
After Work Begins: Once we have begun work on your documents, fees are non-refundable. However, we will work with you to address any concerns about the quality of our Services.
State-Specific Rights: Some states provide additional cancellation rights. Please contact us if you believe you have state-specific cancellation rights.
Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
By using our Services, you consent to our Privacy Policy and agree that we may collect, use, and share your information as described therein.
By using our Services, you consent to receive electronic communications from us, including emails, text messages, and notifications through our Site. These electronic communications may include:
You agree that electronic signatures, contracts, and records have the same legal effect as physical signatures and paper documents, in accordance with the Electronic Signatures in Global and National Commerce Act (E-Sign Act) and the Uniform Electronic Transactions Act (UETA).
Our Site may contain links to third-party websites or services that are not owned or controlled by Student Debt Shield. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of third-party websites or services.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by:
Your continued use of our Services after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using our Services.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
These Terms, together with our Privacy Policy and any service agreement you sign, constitute the entire agreement between you and Student Debt Shield regarding our Services and supersede all prior agreements, understandings, and communications.
If you have questions about these Terms of Service, please contact us:
Acknowledgment
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. YOU ALSO ACKNOWLEDGE THAT WE ARE A DOCUMENT PREPARATION SERVICE, NOT A LAW FIRM, AND THAT YOU CAN COMPLETE FEDERAL STUDENT LOAN FORMS YOURSELF AT NO COST.