Acceptance of Terms

By accessing and using the Pivot Loans platform, you agree to be bound by these Terms of Use and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing this site.

User Obligations

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

• Provide accurate and current registration information.
• Use the platform solely for its intended educational purpose.
• Not engage in any activity that disrupts or interferes with the platform's services.
• Comply with all intellectual property rights related to the provided materials.

Intellectual Property Rights

All educational content, modules, text, graphics, logos, and software on this platform are the property of Pivot Loans or its content suppliers and are protected by copyright and intellectual property laws.

Permitted Use

Users are granted a limited, non-exclusive, non-transferable license to access and use the materials for personal, non-commercial educational purposes.

Restrictions

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the platform without express written permission.

Limitation of Liability

The educational materials are provided "as is". Pivot Loans makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

In no event shall Pivot Loans or its suppliers be liable for any damages arising out of the use or inability to use the materials on the platform.

Governing Law

These terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction where Pivot Loans operates, without regard to its conflict of law provisions.

Dispute Resolution

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the relevant arbitration association.

Modifications to Terms

Pivot Loans reserves the right to revise these Terms of Use at any time without notice. By using this platform, you are agreeing to be bound by the then-current version of these Terms.

Users are encouraged to periodically review the most current version of the Terms posted on the platform.