TERMS OF SERVICE

Effective Date: 1st March 2026

These Terms of Service (“Terms”) govern your access to and use of the website operated by Skillsvest Group Inc. (“Skillsvest,” “we,” “our,” or “us”).

By accessing this website or submitting an application, you agree to be bound by these Terms.

If you do not agree, you should not use this website.

1. Eligibility

This website is intended for individuals seeking education-related funding.

By using this website, you represent that:

• You are at least 18 years old;

• The information you provide is accurate and complete;

• You are using the website for lawful purposes only.

2. No Guarantee of Funding

Submission of an application does not guarantee funding.

All funding decisions are:

• Subject to internal review

• Subject to eligibility criteria

• Subject to legal and regulatory compliance

• At the sole discretion of Skillsvest

Skillsvest reserves the right to approve or decline any application for any lawful reason.

3. Informational Purpose Only

All content on this website is provided for informational purposes only.

Nothing on this website constitutes:

• Financial advice

• Investment advice

• Legal advice

• Immigration advice

You are responsible for seeking independent professional advice before making financial or educational decisions.

4. No Guarantee of Outcomes

Skillsvest does not guarantee:

• Admission to any university

• Visa approval

• Immigration status

• Employment outcomes

• Salary levels

• Job placement

• Future economic conditions

Educational and career outcomes depend on many factors outside our control.

5. Accuracy of Information

You agree that:

• All information submitted in your application is truthful and accurate;

• You will not provide misleading or fraudulent information;

• You will update us if material information changes.

Providing false information may result in denial or termination of funding.

6. Website Use Restrictions

You may not:

• Use the website for unlawful purposes;

• Attempt to gain unauthorized access to systems;

• Interfere with website functionality;

• Copy or misuse proprietary materials.

7. Intellectual Property

All content on this website, including:

• Text

• Branding

• Graphics

• Methodologies

• Underwriting frameworks

• Documentation

is the property of Skillsvest Group Inc. and protected by applicable intellectual property laws.

You may not reproduce or distribute materials without written permission.

8. Limitation of Liability

To the fullest extent permitted by law:

Skillsvest shall not be liable for:

• Indirect, incidental, or consequential damages;

• Loss of opportunity;

• Loss of income;

• Immigration or visa denials;

• University admission outcomes;

• Employment or salary outcomes;

• Economic or regulatory changes.

Our total liability, if any, shall not exceed the amount paid by you (if any) for use of this website.

9. Modifications

We may update or modify these Terms at any time.

Updates will be posted on this page with a revised effective date.

Continued use of the website constitutes acceptance of updated Terms.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

11. Dispute Resolution

Any dispute arising out of or relating to these Terms or use of the website shall be resolved through binding arbitration in the State of Delaware, unless otherwise required by law.

Each party waives the right to participate in class actions or jury trials.

12. Contact

If you have questions about these Terms, contact:

info@skillsvest.com