Terms of use

Welcome to volv!

Please read these Terms and Conditions carefully before using our app or website.

By using our services, you agree to these terms. If you don’t agree, please don’t use our services.

1. Who We Are

We’re volv, a fintech company that helps you make the most of your life by taking control of your student loans. Our goal is to empower you to understand, take control, and leverage your finances - your way.

2. Who Can Use Our Service

To use our services, you must:

Be at least 18 years old
Live in the US
Agree to follow these Terms and our Privacy Policy

3. Your Account

When you sign up, you agree to:

Provide Accurate Information: All information you provide to us, including during registration and through loan transcripts, must be truthful and accurate.
Maintain Account Security: You are responsible for keeping your login credentials secure and for all activity that occurs under your account. Notify us immediately if you suspect any unauthorized use.
Help Us Keep Our Community Safe: If you see something, say something. We will not tolerate abusive, harassing, or fraudulent activity. If you experience an issue with our service or with another user, please report it to us so we can help maintain our safe haven.
Use the Service Lawfully: You will not use our service for any illegal or harmful activities. We reserve the right to suspend or terminate your account if you violate any part of these Terms and Conditions.

You’re responsible for everything done through your account.

4. What You Can and Can't Do

✅ You can use our service to pick the repayment plan that’s right for you.

❌ You can’t:

Use our services for anything illegal
Try to hack or break our app
Copy or sell our software or content
Pretend to be someone else

We provide personalized guidance and tools to help you understand, manage, and strategize your student loan repayment. Our service is not a financial advisor, a lender, or a loan servicer. The information we provide is for educational and informational purposes only. We encourage you to seek advice from a qualified professional and to independently verify any decisions with your loan servicer before taking action.

5. How We Handle Your Data

We take your privacy seriously. Our [Privacy Policy] explains how we collect, use, and protect your data. By using our services, you agree to how we handle your information.

6. Intellectual Property

All content, features, and functionality within the volv service, including our unique flow of questions, educational content, the design and functionality of our service, and all software, are the exclusive property of volv and are protected by intellectual property laws.

Your Content: By submitting any content to our service (such as feedback or data), you grant us a non-exclusive, worldwide, royalty-free license to use that content. We will use your content with attribution to your first initial and full last name (e.g., J. Smith) for community insights. If you feel this is overly identifying or would prefer full attribution in a specific case, please contact us in advance at support@volvwealth.com.

7.Fees and Charges

Our service is provided on an annual subscription basis. We may change our pricing or billing cycle in the future, but we will always notify you in advance.

Billing Information: You agree to provide accurate and complete payment information and authorize us to charge your payment method for all applicable fees.
Refund Policy: Due to the nature of our digital service, we offer a refund only in two specific cases: if you contact us within 48 hours of your purchase, or if we have made a demonstrable error in our service and have not done right by you. In all other cases, subscriptions are non-refundable.

8. Protecting Our Community (Payments and Disputes)

We believe that mistakes happen, and that includes mistakes from both us and you. We want to work with you to resolve any issues. However, we all must work together to protect our community from fraud and abuse.

Our Approach to Disputes: If a chargeback is filed for the first time, we assume it was a misunderstanding and will reach out to you directly to resolve the issue. However, if a chargeback is made and is upheld in your favor, or if a second chargeback occurs, we will consider this a breach of trust.
Account Actions: We reserve the right to immediately block your account in such cases. To restore the business relationship, the user must repay the original disputed amount, including any fees we incurred (such as third-party service fees). This policy helps us protect our community from fraudulent or high-risk behavior.

9. Third-Party Services

Sometimes we work with other companies (like banks or payment providers). While we choose our partners to protect privacy and operate as we would, they are ultimately responsible for their actions and we encourage you to read their terms too.

10. Our Rights

We may:

Make changes to our app or services at any time
Suspend or stop your account if you break the rules
Update these Terms when needed (we’ll let you know)
We may update these Terms and Conditions from time to time. When we make significant changes, we will notify you by email or through the app before the changes become effective. Your continued use of the service after such changes constitutes your acceptance of the new Terms and Conditions.

11. Limit of Liability

While we try to ensure our calculations are accurate and our descriptions of various concepts are too, we make mistakes and encourage you double check with the government or loan servicer before finalizing your decision.

"As Is" Basis: Our service is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the service's accuracy, reliability, or availability.
No Financial Advice: The information provided by volv is for informational and educational purposes only. It is not intended as financial advice. We are not responsible for any financial decisions you make based on our service.
Limitation of Liability: To the fullest extent permitted by law, volv 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, resulting from (a) your access to or use of or inability to access or use the service; (b) any conduct or content of any third party on the service; or (c) unauthorized access, use, or alteration of your transmissions or content.

12. Ending Your Use

By You: You may stop using our service and terminate your account at any time by following the instructions in your account settings.
By Us: We may suspend or terminate your access to the service at our sole discretion, without prior notice or liability, for any reason, including but not limited to a breach of these Terms of Service.
Data After Termination: When you or we end your use, your account will be closed. For details on how we handle your data after termination, including our data retention and deletion policies, please refer to our Privacy Policy.

13. Governing Law

We hope to resolve any issues or concerns in a friendly and efficient way. However, if a dispute arises that we can't resolve together, you and volv agree to resolve it through binding arbitration rather than in court.

These Terms and Conditions and any disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law principles.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled in Boston, Massachusetts, in English, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction. For all purposes of these Terms, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in, respectively, Boston, Massachusetts, or the Eastern District of Massachusetts.

YOU UNDERSTAND AND AGREE THAT BY AGREEING TO THESE TERMS, YOU AND VOLV ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. ALL ARBITRATIONS UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS ONLY.

This clause is designed to be fair, efficient, and to protect both you and our community from the high costs and time of traditional litigation.

14. Events Beyond Our Control

We will not be liable for any delay or failure to perform our obligations under these Terms and Conditions if such delay or failure is due to a cause beyond our reasonable control, including but not limited to acts of God, war, terrorism, natural disasters, or service provider outages.

15. Contact Us

Got questions?

Email us at: support@volvwealth.com

Or visit: www.volvwealth.com