Terms of Use

Please read these Terms of Use (“Terms”) carefully. They contain important information about your rights and obligations.

These Terms apply to your access to and use of BorderlessLoans.com (the “Site”). The Site is owned and operated by MPOWER Financing, PBC (“MPOWER”, “we”, “us”, or “our”).

By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Acceptance of these Terms

By using the Site, you confirm that you have read, understood, and agree to be bound by these Terms.

We may update these Terms from time to time by posting the revised version on this page. Your continued use of the Site after any update means you accept the updated Terms.

2. Eligibility for use

You must be at least 13 years old to use the Site.

If you are under the age of majority in your jurisdiction, you should use the Site only with the involvement of a parent or legal guardian.

3. Purpose of the Site and informational content disclaimer

BorderlessLoans.com is an informational website designed to help students and parents explore topics such as:

  • Studying abroad in the United States and Canada

  • Funding options and financial planning

  • Visa and immigration information

  • Career guidance, return on investment (ROI) perspectives, and related content

Important: Content on the Site is provided for general informational purposes only. It does not constitute financial advice, legal advice, immigration advice, or a guarantee of eligibility for any loan product, scholarship, visa outcome, employment outcome, or academic admission.

You should consult qualified professionals for advice tailored to your situation.

4. Privacy

Any personal data you provide to us through the Site, or that we collect, will be handled according to our Privacy Statement, which is incorporated into these Terms.

5. Lead capture and marketing communications

If you submit your information through the Site (including through forms, newsletter sign-ups, eligibility checks, or requests for information), you agree that we may use the information to:

  • Respond to your request and provide relevant information, and

  • Contact you about MPOWER products, services, and updates (including by email, phone, and other permitted channels), subject to applicable law.

You may opt out of marketing communications at any time by following the instructions in our messages or by contacting us.

6. AI-assisted content (if applicable)

Some content on the Site may be generated or assisted by automated tools, including artificial intelligence, and may be reviewed or updated by humans where appropriate.

While we strive to provide helpful and accurate information, you should verify critical information (especially immigration and legal information) using official government sources or qualified professionals.

7. No guarantee of outcomes

The Site may include information about admissions, visas, careers, salaries, employability, financial outcomes, or return on investment (ROI). This information is general in nature and does not guarantee any specific outcome.

MPOWER does not guarantee admission to any academic institution, visa approval, employment outcomes, scholarship selection, or loan approval.

8. Your account information (if applicable)

Some Site features may allow you to submit forms or create an account. If you do:

  • You are responsible for maintaining the confidentiality of your login credentials.

  • You are responsible for all activity carried out under your account.

  • You agree to notify us immediately of any unauthorised access or suspected breach of security.

9. Your conduct

You agree to use the Site in compliance with all applicable laws, rules, and regulations and these Terms.

When interacting with the Site (including submitting content), you agree that you will not:

  • Provide false, misleading, or outdated information

  • Impersonate another person

  • Upload, submit, transmit, or share content that contains viruses, malicious code, or any harmful files/programs

  • Infringe intellectual property rights or privacy/publicity rights

  • Promote or endorse products, services, companies, or causes without our written permission

  • Include URLs that compete with the Site or promote illegal activities

  • Request personally identifiable information from others

  • Submit content that is abusive, illegal, defamatory, obscene, threatening, or otherwise unacceptable (in our sole discretion)

10. Our right to block or remove content

We may (but are not required to) review user content. We reserve the right to block, remove, or restrict content or communications that violate these Terms or that we deem objectionable.

If you become aware of misuse of the Site, please contact us at privacy@mpowerfinancing.com.

11. Use of information submitted by you

If you send us feedback, comments, suggestions, or other communications, you agree that we may use them without notice, compensation, or acknowledgement for any purpose, including improving the Site and our products/services.

12. Intellectual property

All Site content (including text, graphics, and code) is owned by MPOWER or its licensors and is protected by intellectual property laws.

You may view the content for your personal, non-commercial use and download or print limited portions for personal use, provided you do not remove proprietary notices.

You may not copy, reproduce, republish, distribute, modify, or commercially exploit Site content without our written permission.

13. Trademarks

“MPOWER Financing” and related logos and marks are trademarks or registered trademarks of MPOWER Financing, PBC. You may not use them without our prior written permission.

Other trademarks on the Site belong to their respective owners.

14. Third-party claims; indemnification

You agree to indemnify, defend, and hold harmless MPOWER, and our directors, officers, employees, affiliates, subsidiaries, and agents from any claim, liability, damages, losses, or expenses (including legal fees) arising from:

  • your use of the Site

  • your violation of these Terms

  • your submitted content

  • your infringement of any rights of another person or entity

15. Warranty disclaimer and limitation of liability

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” To the fullest extent permitted by law, we disclaim all warranties (express, implied, or statutory), including merchantability, fitness for a particular purpose, title, and non-infringement.

We do not guarantee that the Site will be uninterrupted, timely, secure, or error-free, or that content will be accurate, complete, or up to date.

To the fullest extent permitted by law, MPOWER and its affiliates will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site.

Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.

16. Termination and modification

We may terminate or restrict your access to the Site at any time, for any reason, without notice or liability. We may also modify or discontinue any Site features at any time.

17. Electronic notices

By using the Site, you consent to receive communications electronically. Electronic communications satisfy legal notice requirements where permitted by law.

18. Links to third-party websites

The Site may include links to third-party websites for convenience. We do not control those sites and are not responsible for their content, policies, or practices. Accessing third-party sites is at your own risk.

19. Copyright infringement claims

If you believe that material on the Site infringes your copyright, please send a written notice including the required information (signature, description of the copyrighted work, location of infringing material, contact information, good-faith statement, and accuracy statement) to:

MPOWER Financing, PBC
Attn: Legal Department
1101 Connecticut Avenue, Suite 900
Washington, DC 20036
USA

20. Disputes and governing law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law provisions.

Except where prohibited, you agree that disputes will be resolved individually and exclusively in applicable local, state, or federal courts in Delaware or Washington, DC, and you consent to the jurisdiction of such courts.

21. Miscellaneous

  • Headings are for reference only and do not affect interpretation.

  • If any part of these Terms is held invalid or unenforceable, the remaining provisions remain in effect.

  • These Terms are the entire agreement between you and us regarding the Site.

22. Contact us

If you have questions about these Terms, contact:

MPOWER Financing, PBC
Attn: Legal Department
1101 Connecticut Avenue, Suite 900
Washington, DC 20036
USA

Last updated: 29 December 2025