Terms & Conditions
Effective Date: 11-1-2024
1) Who We Are
This website and any related landing pages (the “Site”) are owned and operated by THE CREDIT MASTERY GROUP, doing business as Student Debt Mastery (“we,” “us,” “our”).
2) What We Provide
The Site offers an educational e-book and related resources, currently titled Student Debt Mastery™ (the “Materials”). The Materials explain student-loan concepts such as IDR/SAVE, PSLF, consolidation timing, and compliance steps.
Not Government Affiliated. We are not the U.S. Department of Education or any government agency and are not affiliated with them.
3) Eligibility & Personal Use
You must be 18+ to use the Site. The Materials are licensed to you for personal, non-commercial use only. You may not reproduce, distribute, sell, or create derivative works without our prior written consent.
4) Acceptable Use
You agree not to:
use the Site for any unlawful purpose;
attempt to access non-public areas, interfere with security, or introduce malware;
submit false, misleading, or infringing information;
scrape, harvest, or bulk download content without permission.
5) Intellectual Property
All text, graphics, logos, and the e-book are protected by copyright and other IP laws and are the property of THE CREDIT MASTERY GROUP or its licensors. All rights not expressly granted are reserved.
6) Informational Only; No Professional Advice
The Materials are for informational purposes and do not constitute financial, legal, tax, or professional advice. You should consult qualified professionals regarding your specific situation.
7) No Guarantees
We do not guarantee any particular outcome (e.g., payment amount, forgiveness, eligibility, processing time, or credit impact). Results vary based on individual circumstances and program rules that may change.
8) Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site or Materials. Our total aggregate liability will not exceed $100 or the amount you paid (if any), whichever is greater.
9) Privacy
Your privacy matters to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
10) Third-Party Links & Services
The Site may link to third-party websites or reference third-party services (e.g., servicers, calculators). We are not responsible for their content, policies, or practices.
11) Electronic Communications
By submitting a form, you consent to receive communications by email, SMS, and/or phone per our Privacy Policy and SMS Terms below. Consent is not required to purchase. Message/data rates may apply.
12) Changes to the Site or Terms
We may update the Site and these Terms at any time. The “Effective Date” reflects the most recent version. Your continued use constitutes acceptance of changes.
13) Governing Law & Venue
These Terms are governed by the laws of the State of Wyoming, without regard to conflicts of law. Venue for any dispute will be the state or federal courts located in, Wyoming.
14) Contact
Questions? Contact THE CREDIT MASTERY GROUP
Email: [email protected] (or [email protected])
Mailing Address: 5830 E 2nd St, Ste 7000
Casper WY 82609
SMS Terms of Service
Program Name: Student Debt Mastery SMS
Short Description: Educational updates, reminders, and relevant offers related to Student Debt Mastery.
1) Consent & Message Types
By opting in (e.g., submitting a form or texting a keyword), you agree to receive automated and/or non-automated text messages from [THE CREDIT MASTERY GROUP] at the mobile number you provided. Messages may include confirmations, reminders, service notices, and marketing content related to student-loan education. Consent is not a condition of purchase.
2) Frequency
Message frequency varies. You will typically receive messages when you request resources, reminders, or updates.
3) Opt-Out
You may opt out at any time by replying STOP. You will receive one final message confirming your opt-out.
4) Help & Support
Reply HELP for assistance, or contact [email protected] or Hit reply "Stop".
5) Message & Data Rates
Message and data rates may apply. Check your wireless plan for details. Carriers are not liable for delayed or undelivered messages.
6) Eligibility
You must be the owner or authorized user of the mobile number provided and 18 years or older.
7) Privacy
See our Privacy Policy for information on how we handle your data.
8) Changes
We may modify or terminate the SMS program or these SMS Terms at any time. Your continued participation constitutes acceptance of changes.
9) Not Government Affiliated
Messages and content are provided by THE CREDIT MASTERY GROUP We are not affiliated with the U.S. Department of Education or any government agency.