Last Updated: January 14, 2026
Welcome to Earning Adviser (the “Website”). By accessing or using this Website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please discontinue use of the Website immediately.
1. Definitions
- “We,” “Us,” “Our” refer to Earning Adviser.
- “You,” “User” refers to any person accessing or using the Website.
- “Content” includes all text, articles, tools, graphics, images, videos, and other materials available on the Website.
2. Acceptance of Terms
By using this Website, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and capable of entering into a legally binding agreement. If you are under 18, you may only use this Website with the supervision of a parent or guardian.
3. Affiliate Disclosure & Advertising
Earning Adviser is a for-profit educational platform supported by advertising and affiliate relationships.
- Affiliate Links: Some of the links on this Website are “affiliate links.” This means if you click on the link and purchase an item or sign up for a service, we may receive an affiliate commission. This comes at no extra cost to you.
- Transparency: We only recommend products or services we believe will add value to our readers. However, our content may be influenced by these partnerships.
- Partners: We participate in affiliate programs with networks including, but not limited to, CJ Affiliate (Commission Junction) and Impact.
4. Financial & Professional Disclaimer (Read Carefully)
Earning Adviser is an education and information platform. We are NOT a bank, lender, financial advisor, or credit repair organization.
- No Professional Advice: The Content provided on this Website (including student loan guides, mortgage information, and credit score tips) is for informational purposes only and does not constitute financial, legal, or tax advice.
- No Lending: We do not issue loans, credit cards, or mortgages. We may link to third-party lenders, but we are not responsible for their decisions, rates, or terms.
- Due Diligence: Always consult with a qualified financial advisor or tax professional before making major financial decisions.
5. Earnings & Results Disclaimer
We do not guarantee any specific financial results, credit score improvements, or loan forgiveness approvals.
- Examples: Any case studies or examples of student loan forgiveness or earnings are for educational purposes only.
- Variables: Your actual results will vary based on your personal financial situation, credit history, market conditions, and government policy changes.
6. Content Ownership & Usage
All Content on this Website is owned by Earning Adviser and is protected by copyright laws.
- You May: Share links to our articles or quote short excerpts (up to 100 words) provided that you give clear credit to Earning Adviser with a clickable link back to the original page.
- You May Not: Copy full articles, mirror our site, use our logo, or republish our guides without prior written permission.
7. User Conduct
You agree not to:
- Use the Website for unlawful purposes.
- Attempt to gain unauthorized access to our servers or user data.
- Scrape or harvest data from our Website (including loan limits or interest rate tables).
- Post spam, affiliate links, or harmful code in the comments section.
8. Third-Party Links & Services
Our Website contains links to third-party websites (e.g., FAFSA.gov, private lenders, credit bureaus).
- No Control: We do not control these external sites and are not responsible for their content or privacy practices.
- Your Risk: Accessing third-party sites is at your own risk. Please review their Terms and Privacy Policies before sharing personal information.
9. No Warranties
The Website and Content are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of the information (e.g., interest rates and loan limits may change without notice).
10. Limitation of Liability
To the maximum extent permitted by law, Earning Adviser shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website. This includes, but is not limited to, financial losses, data loss, or missed application deadlines.
11. Indemnification
You agree to indemnify and hold harmless Earning Adviser, its owners, and affiliates from any claims, liabilities, or legal fees arising out of your misuse of the Website or violation of these Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Pakistan, without regard to conflict-of-law principles. Any legal action or proceeding related to this Website shall be brought exclusively in the courts of Pakistan.
13. Contact Information
If you have questions about these Terms, please contact us at: 📧 Email: contact@earningadviser.com