Terms of Use
Effective Date: August 10, 2026
Last Updated: August 10, 2026
These Terms of Use ("Terms") govern your access to and use of the Smart Loan Aid website, educational materials, online forms, consultations, communications, and related services provided by Atrium Insights Group Inc., doing business as Smart Loan Aid ("Smart Loan Aid," "we," "us," or "our").
Please read these Terms carefully.
By accessing or using our website or services, you acknowledge that you have read, understood, and agree to these Terms.
Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use our services.
Our services are intended for users located in the United States unless otherwise stated.
About Smart Loan Aid
Smart Loan Aid provides educational, informational, advisory, and assistance services related to federal student loan repayment options.
Our services may include helping consumers understand their federal student loan circumstances, reviewing available federal student loan options, assisting with paperwork or administrative processes, providing educational resources, and helping consumers navigate interactions with student loan servicers, collection agencies, government programs, or third-party service providers.
Smart Loan Aid is not the U.S. Department of Education, Federal Student Aid, a federal or state government agency, or a student loan servicer.
Smart Loan Aid is not affiliated with or endorsed by the U.S. Department of Education or any other government agency.
Consumers are not required to hire a private company to access federal student loan programs and may obtain information regarding federal student loan programs directly from the U.S. Department of Education and applicable loan servicers.
No Guarantee of Results
Smart Loan Aid does not guarantee:
● Approval for any repayment plan
● Approval for rehabilitation
● Approval for consolidation
● Loan forgiveness
● Loan cancellation
● A specific monthly payment
● A specific interest rate
● A particular processing timeframe
● A particular outcome from a government agency, servicer, collector, or other third party
Eligibility and final decisions relating to federal student loan programs are determined by the applicable government agency, loan servicer, collection agency, or other authorized party.
Any estimates, illustrations, or explanations provided by Smart Loan Aid are informational and may change based on your circumstances, applicable law, government policy, program requirements, income, family size, loan history, or information maintained by your loan holder.
Educational and Advisory Nature of Information
Information provided through our website or services is intended to help you understand available options and administrative processes.
Smart Loan Aid does not provide legal, tax, investment, or accounting advice.
You should consult an appropriately licensed professional if you require legal, tax, investment, or accounting advice.
Accuracy of Information You Provide
You agree to provide information that is accurate and complete to the best of your knowledge.
Smart Loan Aid may rely on information you provide when assisting you.
You are responsible for notifying us if information relevant to your request changes.
Providing inaccurate, incomplete, outdated, or misleading information may affect the accuracy or effectiveness of our assistance.
Government and Third-Party Decisions
Smart Loan Aid does not control the U.S. Department of Education, Federal Student Aid, loan servicers, collection agencies, credit bureaus, financial institutions, or other independent parties.
These parties may:
● Change policies
● Change eligibility rules
● Request additional information
● Approve or deny applications
● Change processing times
● Modify administrative procedures
● Issue notices or correspondence
● Make independent determinations relating to your student loans
Smart Loan Aid is not responsible for decisions made by independent government agencies or third parties.
Third-Party Services and Providers
Smart Loan Aid may use or work with independent service providers, technology platforms, processing partners, vendors, or other third parties to assist in providing services.
These parties may have their own terms, privacy policies, procedures, and responsibilities.
Smart Loan Aid does not control every action taken by an independent third party.
If you are directed to or interact with an independent website, platform, or provider, you should review that party's applicable terms and privacy policies.
Your Responsibility to Review Communications
You are responsible for reviewing communications sent to you by:
● Smart Loan Aid
● Your loan servicer
● The U.S. Department of Education
● Federal Student Aid
● Collection agencies
● Other parties involved with your student loans
You should promptly notify Smart Loan Aid of relevant notices, requests, denials, approvals, payment information, or correspondence that may affect services you have requested.
Failure to review or respond to communications from your loan holder or government agency may affect your account or eligibility.
Account and Document Security
You are responsible for protecting passwords, login credentials, and account access information.
Unless specifically requested through an authorized secure process, do not send Smart Loan Aid:
● Online account passwords
● Bank account passwords
● Complete payment card information
● Social Security numbers through unsecured channels
● Other security credentials
You should immediately notify us if you believe information relating to your Smart Loan Aid interactions has been compromised.
Communications
By providing contact information and requesting services, you authorize Smart Loan Aid to communicate with you regarding your inquiry, appointments, services, account, requested assistance, and related administrative matters.
Marketing communications are governed by applicable law and our separate Communication Consent.
You may change applicable marketing communication preferences as described in that Communication Consent.
Electronic Communications
Where permitted by law, communications and documents may be provided electronically.
You are responsible for providing accurate contact information and maintaining access to the email address or telephone number you provide.
Certain legally required disclosures may be subject to additional electronic consent requirements.
Website Use
You may use the Smart Loan Aid website only for lawful personal purposes.
You may not:
● Attempt to gain unauthorized access to our systems
● Interfere with website security
● Introduce malicious code
● Scrape or copy website content through unauthorized automated methods
● Impersonate another person
● Submit fraudulent information
● Use the website for unlawful activity
● Violate another person's privacy or intellectual property rights
● Attempt to disrupt or damage the website or services
Intellectual Property
The Smart Loan Aid website and its original content, design, branding, graphics, text, trademarks, logos, and other materials are owned by or licensed to Smart Loan Aid or Atrium Insights Group Inc., unless otherwise identified.
You may access and use website materials for your personal, noncommercial use.
You may not reproduce, distribute, modify, publish, sell, or commercially exploit our materials without authorization unless permitted by law.
Third-Party Links
Our website may contain links to third-party websites.
These links are provided for convenience or informational purposes.
Smart Loan Aid does not control independent third-party websites and is not responsible for their availability, security, privacy practices, content, products, services, or representations.
A link does not necessarily constitute an endorsement.
Website Availability
We attempt to maintain reliable access to our website and services but do not guarantee that they will always be available, uninterrupted, secure, or error-free.
We may modify, suspend, or discontinue portions of the website or services where reasonably necessary.
Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SMART LOAN AID WEBSITE AND GENERAL WEBSITE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
SMART LOAN AID DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS.
SMART LOAN AID DOES NOT WARRANT OR GUARANTEE A PARTICULAR GOVERNMENT, SERVICER, COLLECTION, REPAYMENT, REHABILITATION, CONSOLIDATION, OR FORGIVENESS OUTCOME.
Nothing in these Terms excludes warranties or rights that cannot legally be excluded.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ATRIUM INSIGHTS GROUP INC., SMART LOAN AID, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR GENERAL INFORMATION PROVIDED THROUGH THE
WEBSITE.
Nothing in these Terms limits liability that cannot legally be limited or waived.
Privacy
Our handling of personal information is described in our Privacy Policy, California Privacy Notice, and other applicable privacy disclosures.
Changes to Services
Smart Loan Aid may update or modify services, processes, technology, policies, or website functionality as reasonably necessary.
Government programs, student loan regulations, and administrative procedures may also change independently of Smart Loan Aid.
Changes to These Terms
We may update these Terms periodically.
When we update these Terms, we will revise the Last Updated date at the top of this page.
Material changes will apply prospectively unless otherwise permitted by applicable law.
Governing Law
Except where federal law applies or applicable consumer protection laws require otherwise, these Terms are governed by the laws of the State of Wyoming, without regard to conflict of laws principles.
Nothing in these Terms waives rights that cannot lawfully be waived under applicable state or federal law.
Disputes
Before filing a formal legal action relating to these Terms or use of the website, you and Smart Loan Aid agree to make a reasonable good faith effort to resolve the matter informally.
You may contact Smart Loan Aid using the contact information below.
Unless applicable law requires otherwise, any legal proceeding relating to these Terms may be brought in a court of competent jurisdiction serving Sheridan County, Wyoming.
Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.
No Waiver
Failure by Smart Loan Aid to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.
Entire Agreement
These Terms, together with any separate agreement you enter into with Smart Loan Aid for paid services and any other terms expressly incorporated into that agreement, govern your use of the website and applicable services.
If a separate written service agreement conflicts with these Terms regarding paid services, the separate agreement will control with respect to that subject matter.
Contact Us
Questions regarding these Terms may be directed to:
Atrium Insights Group Inc.
d/b/a Smart Loan Aid
30 N Gould St Ste N
Sheridan, WY 82801
Phone: (844) 869-5521
Email: info@smartloanaid.com