Effective Date: 23 December 2025

Terms of Service – King for Education Credit

1. Acceptance of Terms

By accessing and using the website https://app.king4credit.com (the “Site”) and the SMS messaging services operated by King for Education Credit Inc. (“Company”, “we”, “our”, “us”), you agree to be bound by these Terms of Service (“Terms”).
If you do not agree, please do not use the Site or our services.

2. Services Description

King for Education Credit provides an online platform that assists users in accessing education-related credit information and application support services.
We do not guarantee loan approval and do not provide misleading or instant credit promises.

3. SMS Program Description

Our SMS program is support-only and includes responses to inquiries submitted by users.
We do not send promotional or marketing SMS. Messages are sent only when users contact us for support.

4. User Consent (Opt-In)

By submitting your mobile number on our Site and selecting the consent checkbox, you agree to receive SMS messages from King for Education Credit Inc. for responses to your support inquiries.
Consent is not a condition of service, and users may opt out at any time by replying STOP. For help, reply HELP.

5. Opt-Out Instructions

You may opt out at any time by replying STOP to any SMS message.
After confirmation, you will no longer receive SMS messages from us.

6. Help Instructions

For assistance, reply HELP to any SMS or contact us at:
📧 [email protected]
📞 +1-323-561-8446

7. Message & Data Rates

Message and data rates may apply depending on your carrier plan. Message frequency varies.

8. Carrier Disclaimer

Mobile carriers are not responsible for delayed or undelivered messages.

9. User Responsibilities

You agree to use the Site lawfully and not misuse, disrupt, or attempt unauthorized access to the platform.

10. Intellectual Property

All Site content is owned by the Company and protected by applicable intellectual property laws.

11. Account Information

You are responsible for providing accurate information and maintaining account confidentiality.

12. Payments

If applicable, payments are processed securely through authorized providers. Terms may change without notice.

13. Termination

We reserve the right to suspend or terminate access for violations of these Terms.

14. Limitation of Liability

Services are provided “as is” without warranties. Use is at your own risk.

15. Privacy Policy

Use of our services is governed by our Privacy Policy available on the Site.

16. Regulatory Compliance

We comply with TCPA, CTIA guidelines, and applicable carrier requirements for SMS communications.

17. Age Requirement

You must be 18 years or older to use our services.

18. Governing Law

These Terms are governed by the laws of the State of New York, USA.

19. Changes to Terms

We may update these Terms at any time. Continued use constitutes acceptance.

20. Contact Information

King for Education Credit Inc.
117 S 4th Street, New Hyde Park, NY 11040, USA
📧 [email protected]
📞 +1-323-561-8446