Terms & Conditions

1. Informational Purpose

Study-Ivo is owned and operated by The Nelson M Group LLC. Study-Ivo is an independent informational resource. Content is general in nature and is not financial, legal, tax, lending, or educational-admissions advice.

2. No Funding or Eligibility Promise

Study-Ivo does not award grants, originate student loans, determine financial-aid eligibility, guarantee approval, or represent a school, lender, loan servicer, or government agency.

3. Verify Current Information

Programs, deadlines, award amounts, eligibility requirements, rates, loan terms, and repayment options can change. Verify current details with the responsible school, program, agency, lender, servicer, or official source.

4. Website Use

You agree to use this website lawfully and not interfere with its operation, security, or availability.

5. SMS Terms

If you separately opt in, you may receive General Account Notification SMS messages and, if separately selected, Marketing SMS messages. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent is optional and is not required to use the website or access informational resources.

6. External Resources

References or links to third-party resources are provided for convenience and do not constitute an endorsement or guarantee of their services, information, eligibility decisions, or terms.

7. Limitation

Use of the website and reliance on general information are at your discretion. Decisions involving education funding should be based on current official information applicable to your circumstances.

8. Privacy and Contact

We do not share, rent or sell data to affiliates or third-party marketers. SMS opt-in data and consent records are never sold, shared, or disclosed to any third party.

Questions about these Terms may be sent to [email protected].