These Terms of Service ("Terms") govern your use of eliteprocessing.net (the "Site") and services Elite Processing ("we," "us," or "our") provides through the Site, telephone, email, electronic forms, and any authorized client portal (collectively, the "Services"). By accessing the Site or requesting or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site or Services.
We reserve the right to amend the TOS without notice. If we decide to change the TOS we will post those changes here. You are responsible for regularly monitoring this site in order to remain informed of any changes. Any such amendment shall be effective once the revised terms have been posted on this site and your use of this site indicates your acceptance of any modified terms. The date of the most recent revisions will be provided at the top of this page.
We may modify, suspend, or discontinue any part of the Site or Services at any time, subject to any separate written service agreement and applicable law. We do not guarantee that the Site or every Service will always be available.
You must be at least 18 years old and legally able to enter into a binding agreement to request or use the Services. Information you provide must be accurate, current, complete, and yours to provide.
The public Site does not require a user account. If we separately provide access credentials for an authorized client portal, you are responsible for keeping them confidential, restricting access to your devices, and promptly notifying us of suspected unauthorized use. We may suspend portal access to protect you, Elite Processing, or the security of the Services.
The site and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Elite Processing, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. You must not reproduce, sell or exploit for any commercial purposes any part of the site, access to the site or use of the site or any services or materials available through the site.
If you print, copy, modify, download or otherwise use any part of the site in breach of the TOS, your right to use the site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the site or any content on the site is transferred to you, and all rights not expressly granted are reserved by Elite Processing. Any use of the site not expressly permitted by the TOS is a breach of the TOS and may violate copyright, trademark and other laws.
Our name, logo and all related names, logos, product and service marks, designs and slogans are trademarks of Elite Processing or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, brands and marks are either used for identification purposes only, or displayed with permission, and are the trademarks of their respective owners.
Although we encourage you to email us, you should not email us any content that contains personal or confidential information. With respect to all emails that you send to us, including but not limited to, feedback, questions, comments, suggestions, and the like, Elite Processing shall be free to use any ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production and marketing of our services that incorporate such information.
We reserve the right to block or remove communications or materials that are determined to be (a) abusive, defamatory or obscene, (b) fraudulent, deceptive or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another, or (d) offensive or otherwise unacceptable to Elite Processing in its sole discretion.
This site may contain information provided by, and links to, third parties other than Elite Processing and its affiliates that provide services to, or for, users of this site or Elite Processing. Elite Processing specifically does not represent or warrant that it is responsible for the content or performance of third-party sites or any transactions with them. Furthermore, Elite Processing disclaims all liability and makes no representations or warranties for any products or services sold or provided by any third-party. Any transaction with a third-party is subject to the agreements and/or the terms and conditions of the third-party. Third-party links do not imply that Elite Processing is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo, or copyright symbol of Elite Processing.
You may use the site only for lawful purposes and in accordance with the TOS. You agree not to use the site:
In any way that violates any applicable federal, state, local and international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
To send, knowingly receive, upload, download, use or re-use any material which does not comply with the standards set out in the TOS.
To impersonate or attempt to impersonate Elite Processing or an Elite Processing employee, another user, or person or entity (including, without limitation, the use of e-mail addresses or screen names associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the site, or which, as determined by us, may harm Elite Processing, its affiliates, partners, service providers or users of the site or expose them to liability.
Additionally, you agree not to:
Use the site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the site, including their ability to engage in real time activities through the site.
Use any robot, spider or other automatic device, process or means to access the site for any purpose, including to monitor or copy any of the material on the site.
Use any manual process to monitor or copy any of the material on the site or for any other unauthorized purpose without our prior written consent.
Use any device, software or routine that interferes with the proper working of the site.
Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the site, the server on which the site is stored, or any server, computer or database connected to the site.
Attack the site via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the site.
The information presented on or through the site is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the site, or by anyone who may be informed of any of its contents.
Information obtained as part of the SMS consent process, including phone numbers, will not be shared with third parties or affiliates for marketing or promotional purposes.
If you consent to receive text messages from Elite Processing, you may receive conversational and informational messages concerning account and service updates, appointment reminders, document requests, and application follow-ups.
Example: "Hi [Client Name], this is [Agent Name] with Elite Processing. Your student loan review is scheduled for tomorrow at [Time]. We'll go over your federal loan options and gather your needed documents. Reply YES to confirm. Reply STOP to opt out of SMS messaging from Elite Processing at any time."
Message frequency may vary depending on the communication. You may receive up to 3 SMS messages per week related to document preparation, appointments, application follow-ups, and account or service updates.
Message and data rates may apply depending on your mobile carrier and plan. Carrier charges may vary for domestic and international messages.
You may opt in verbally during a conversation with an Elite Processing representative or by selecting the optional SMS consent checkbox on our website form. Consent is not a condition of purchasing goods or services.
Reply STOP to any message to opt out at any time, or contact us directly to request removal from our messaging list. Reply HELP for assistance, visit eliteprocessing.net, email info@eliteprocessing.net, or call +1 (866) 489-3888. Message frequency varies. See our Privacy Policy for information about mobile information and SMS consent.
Information collected through this site is handled as described in our Privacy Policy. When you submit information, you represent that it is accurate and that you are authorized to provide it.
The scope of Services, fees, payment schedule, cancellation or refund terms, and other engagement-specific terms will be stated in the applicable proposal, authorization, invoice, or separate written service agreement. You agree to pay authorized charges according to those terms. If an engagement-specific written agreement conflicts with these Terms, that agreement controls for the conflicting provision. The public Site does not provide an online checkout.
The owner of the site is based in the State of Ohio. We provide this site for use only by persons located in the United States. We make no claims that the site or any of its content is accessible or appropriate outside of the United States. Access to the site may not be legal by certain persons or in certain countries. If you access the site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY SITE LINKED TO IT.
YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE SITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL Elite Processing, ITS AFFILIATES OR THEIR LICENSORS, PARTNERS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY SITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER SITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER SITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify and hold harmless Elite Processing, its affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) resulting from your violation of the TOS or your use of the site, including, without limitation, any use of the site's content, services and products other than as expressly authorized in the TOS or your use of any information obtained from the site.
This TOS and any dispute or claim arising out of, or related to, it, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule (whether of the State of Ohio or any other jurisdiction).
Any legal suit, action or proceeding arising out of, or related to, the TOS or the site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Ohio in each case located in the City of Cincinnati and County of Hamilton, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You agree to waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
No waiver of the TOS by Elite Processing shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of Elite Processing to assert a right or provision under the TOS shall not constitute a waiver of such right or provision.
If any provision of these TOS is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the TOS will continue in full force and effect.
The TOS and our Privacy Policy constitute the sole and entire agreement between you and Elite Processing with respect to the site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the site.
All feedback, comments, requests for technical support and other communications relating to the site, including notices of copyright infringement claims, should be directed to info@eliteprocessing.net or +1 (866) 489-3888.
Last updated: August 25, 2026
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