Terms of Service

1. Nature of the Service

Descifra provides private student loan analysis and strategic planning services.

Depending on the engagement, services may include loan history review, repayment alternative comparisons, financial projections, opportunity identification, personalized recommendations, and guidance on potential next steps.

The precise scope of each engagement is established in the applicable offer, intake process, or service agreement.

2. Government Independence

Descifra is a private service. It is not part of, affiliated with, or endorsed by the U.S. Department of Education, Federal Student Aid, or federal student loan servicers.

Borrowers can review federal student loan options and submit federal applications for free through StudentAid.gov and other official government channels.

Descifra’s fees compensate its specialized analysis and planning services, not access to government programs.

3. Projections and Recommendations

Recommendations are developed using information supplied, applicable assumptions, and rules available at the time of the analysis.

Outcomes may change because of legislative or administrative developments, income changes, interest rates, certification dates, loan history, and other circumstances.

We do not guarantee savings, reduced payments, application approvals, or loan forgiveness.

Lower monthly payments do not necessarily result in lower lifetime borrowing costs.

4. Client Responsibilities

Clients are responsible for providing reasonably complete and accurate information and reviewing the recommendations and implementation steps provided.

Unless a separate, legally permissible service is expressly agreed upon, clients remain responsible for submitting applications, confirming processing, meeting deadlines, and communicating with their loan servicers.

Descifra does not control decisions made by government agencies or loan servicers.

5. Fees, Delivery, Cancellations, and Refunds

Prices, service scope, payment arrangements, and applicable terms are disclosed before purchase. Institutional engagements may be governed by separate written agreements.

The purchased service consists of preparing and delivering the personalized analysis or report described in the applicable offer. Delivery timelines will be communicated to the client and may vary depending on information received and case complexity.

Clients may request cancellation before preparation of their analysis begins. If work has not started, they may request a refund of amounts paid. Once analysis has begun, cancellation or refund requests will be evaluated based on work performed and applicable legal requirements.

Cancellation or refund requests should be sent to info@descifra.co. Nothing in these terms limits consumers’ rights under applicable law or authorizes charges or practices prohibited by law.

6. Employer Programs

When an organization offers Descifra as an employee benefit, that arrangement does not grant the employer access to participating employees’ individual financial records.

Organizations may receive general, non-identifiable program statistics or averages. Personal information is handled according to our Privacy Policy and applicable agreements.

7. Professional Scope

Descifra provides specialized student loan analysis. Recommendations may incorporate tax-related or financial assumptions to assess potential strategies.

The service does not replace separately retained individualized legal, tax, or investment advice when appropriate.

8. Technology and Analytical Tools

Descifra may use analytical technology to process information, model scenarios, and prepare projections.

Results depend on the quality of the data, the selected assumptions, and the rules used in the analysis. They do not constitute official eligibility determinations or government decisions.

9. Intellectual Property

Descifra’s original content, technology, models, and materials are protected by applicable law.

Clients may use their delivered reports for personal financial decision-making, subject to the terms of their engagement.

10. External Links and Changes

Descifra may link to government and third-party websites but does not control their content, availability, or decisions.

We may update these Terms. The current version will be available on our website.

11. Contact

info@descifra.co

Operating entity: Hermes Conesa LLC.