1. TERMS

By accessing the website at https://financeoyo.com/, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. USE LICENSE

1. Permission is granted to temporarily download one copy of the materials (information or software) on Finance OYO's website for personal, non- commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

1. Modify or copy the materials;

2. Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

3. Attempt to recompile or reverse engineer any software contained on Company’s website;

4. Remove any copyright or other proprietary notations from the materials; or

5. Transfer the materials to another person or “mirror” the materials on any other server.

2. This license shall automatically terminate if you violate any of these restrictions

and may be terminated by Company at any time. Upon

terminating your viewing of these materials or upon the termination of this

license, you must destroy any downloaded materials in your possession whether

in electronic or printed format.

3. DISCLAIMER

1. The materials on Finance OYO's website are provided on an ‘as is’basis. Finance OYO makes no warranties, expressed or implied, andhereby disclaims and negates all other warranties including, without limitation,implied warranties or conditions of merchantability, fitness for a particularpurpose, or non-infringement of intellectual property or other violation of rights.Further, Finance OYO does not warrant or make any representationsconcerning the accuracy, likely results, or reliability of the use of the materials onits website or otherwise relating to such materials or on any sites linked to thissite.

2. Further, Finance OYO does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. LIMITATIONS

In no event shall Finance OYO or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Finance OYO's website, even if Finance OYO or a Finance OYO's authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. ACCURACY OF MATERIALS

The materials appearing on Finance OYO's website could include technical, typographical, or photographic errors. Finance OYO does not warrant that any of the materials on its website are accurate, complete or current. Finance OYO may make changes to the materials contained on its website at any time without notice. However, Finance OYO does not make any commitment to update the materials.

6. LINKS

Finance OYO has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Finance OYO of the site. Use of any such linked website is at the user’s own risk.

7. MODIFICATIONS

Finance OYO may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then-current version of these terms of service.

8. GOVERNING LAW

These terms and conditions are governed by and construed in accordance with the laws of San Diego County, California and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

9. MONITORING & RECORDING OF PHONE CALLS

You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your telephone conversations with our representatives or the representatives of any of those companies.

10. PRIVACY POLICY

Your privacy is important to us. It is Finance OYO's policy to respect your privacy regarding any information we may collect while operating our website. Accordingly, we have developed this privacy policy in order for you to understand how we collect, use, communicate, disclose and otherwise make use of personal information. We have outlined our privacy policy below.

- We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

- Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

- We will collect and use personal information solely for fulfilling those purposes specified by us and for other ancillary purposes, unless we obtain the consent of the individual concerned or as required by law.

- Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up- to-date.

- We will protect personal information by using reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

- We will make readily available to customers information about our policies and practices relating to the management of personal information.

- We will only retain personal information for as long as necessary for the fulfillment of those purposes.

- We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected.

CANCELATION POLICY

Finance OYO’s cancellation policy is designed to exceed state law requirements (for the Client’s protection) and be easy to understand: If you are unhappy, dissatisfied, unsure, or do not want to utilize Finance OYO’s service at any time prior to receiving educational materials or guidance, then simply send an email ([email protected]), or call (866) 358-1004 to Finance OYO requesting a refund and termination of our services. Refunds are only given within the first 3 calendar days of the executed Service Agreement Date. Once Finance OYO provides access to educational content, training sessions, or guidance, Client shall not be entitled to a refund unless subject to the below guarantee. If at any time, you have questions, please do not hesitate to call or write to us directly.

MONEY BACK GUARANTEE

You are guaranteed 100% reimbursement if you are not approved for your chosen federal program after following our guidance and correctly submitting your application.

Finance OYO guarantees that the educational content and guidance provided will be sufficient for Client to independently apply for DOE-offered programs for student loan debt relief, subject to the following conditions: (1) student loans that Client presents to Finance OYO are original debts, have not been previously combined or adjusted, and have not been previously serviced or worked on by any other student loan assistance company;

(2) Client fully cooperates, is honest, complete, and timely in applying the knowledge provided by Finance OYO and submitting necessary documents to the DOE; and/or

(3) Client does not possess a characteristic that, pursuant to DOE rules or applicable law, would disqualify Client from their selected federal program. Client shall not be entitled to the benefits of this section if Client fails to follow Finance OYO’s instructions, does not apply the provided knowledge correctly, terminates this Agreement, or does not pay Finance OYO. Fee(s) Client paid to Finance OYO will not be reimbursed until DOE gives results of Client’s DOE-offered program status. If Client is not approved through the DOE after following Finance OYO’s guidance, Finance OYO will reimburse the Fee paid (limited to funds received by Finance OYO from Client). All refund requests must be made in writing ([email protected]) within 30 days of any denial by the DOE.

OUR SERVICES

Finance OYO provides education and guidance on student loan forgiveness programs and tax relief solutions. We do not complete applications on behalf of clients but rather teach them how to manage their debt and apply for relief programs effectively.

“Depending on program and qualifications”

Phase 1. Includes, But Is Not Limited To, Counseling, Reviewing And Determining Qualifying Federal Programs Available Through The Department Of Education, Providing The Options To Client In Order For Client To Make A Determination Of Which Program Best Suits Client’s Current Situation, And Submission Of Forbearance Per Client’s Request If Loans Are Eligible. $99-$500

Phase 2. Includes, But Is Not Limited To, Providing Education On The Process Of Postponing Payments, Understanding Forbearance And Deferment Options, And Teaching Clients How To Modify The Terms Of The Existing Status Of Their Loans To Provide Temporary Hardship Relief. $99-$500

Phase 3. Includes, But Is Not Limited To, Educating Clients On How To Identify The Proper Collection Agency, Enroll Loans Into A Rehabilitation Program, Obtain The Necessary Documents For Qualifying Programs, Analyze Their Own Financial Situation, And Complete The Application(s) For Their Selected Program(s) Before Submitting To The Department Of Education Or Their Loan Servicer. $99-$500

Our clients are our number one priority. We want to work hard for you with 100% communication and transparency all the way through. Please make sure you understand our company and services completely.

Finance OYO is a specialized private company and is not affiliated with Federal, State, or Local Government agencies. Finance OYO is not a loan servicer or originator. We help consumers obtain Federal Government-offered programs by educating them on the process and teaching them how to prepare and submit the necessary documentation. Consumers with student loan debt or tax liabilities have the legal right to use an attorney or process federal student loan services documentation, as well as apply for IRS relief programs, on their own behalf.

We do not alter your credit nor modify your student loans or tax obligations in any way.

Although going through some of these government programs may help your credit, we do not have any control over your credit.

We do not make student loan or IRS tax payments on your behalf.

Our purpose is to educate and teach you how to process your applications and ensure you are enrolled in federal repayment programs that you qualify for through the government, as well as guide you through IRS tax relief programs. Any fees paid to Finance OYO are for our professional consulting services. You are responsible for repaying your loan or taxes separately.

You have the freedom to do it yourself without a fee through the Department of Education or IRS.

You could do your own taxes for free, even represent yourself in court, but wouldn’t you rather trust a CPA or lawyer to ensure your process goes through smoothly with 100% accuracy and maximum benefits? Would you feel comfortable having the IRS complete your tax returns instead of a trusted advisor?

With student loan servicers getting sued left and right by the government, and the U.S. Department of Education not highly proactive in working with student loan borrowers, a record number of borrowers are falling victim to default each day.

At Finance OYO, we understand firsthand how difficult navigating these programs can be. For some, navigating through multiple loan servicers, loan structures, statuses, confusing small print, and different payment due dates every month can be overwhelming. There is no one-size-fits-all solution. Our goal is to reduce the stress of finding programs that meet the financial needs of our clients.

We only receive payment for our work after you have followed the steps, submitted your documents, and made your first payment on the new repayment program.

Finance OYO does not take any upfront fees. To the extent that you set aside funds for our services, we are not allowed to collect them until after we have completed our work, shown proof of our services, and you have made a payment on your new repayment program.

Finance OYO is dedicated to easing the financial stress of student loan borrowers and individuals seeking IRS relief by providing the education and tools needed to navigate these processes successfu

Last Updated: January 1st, 2025