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Terms & Conditions

Career Advance Finance Limited (hereafter, “StudentFinance”) is an educational technology company incorporated under the laws of England with Companies House Number 12790122. StudentFinance is an alternative to the traditional student loan system helping increase educational opportunities and reducing financial barriers to students. StudentFinance engages with schools, training programs, higher education institutions and their affiliates to offer income-based financing solutions for students through Shared Income Agreements (“SIA Program”). An SIA is a contractual agreement in which you receive education funding. In exchange, you agree to share a fixed percentage of your post–graduation income over a defined period of time.

These Terms of Use (“Terms”) govern all aspects of your use of the Please read these Terms carefully before you start to use the website. By using our website, you indicate that you accept these Terms of use and that you agree to abide by them. If you do not agree to these Terms of use, please refrain from using our site and exit the site immediately.

Subject to these Terms, StudentFinance grants you a personal, non-exclusive, non-transferable, limited and revocable license to access the website for your personal use.


Your privacy is extremely important to us. For further information visit our Privacy Policy

General Eligibility

The SIA Program offered through our website is available to persons who have reached 18 years of age and who are enrolled in or accepted to a partner institution. Not all products and services are available to all individuals. The submission of your application does not automatically qualify you for an SIA Program. Your eligibility for an SIA Program is subject to review and final determination by and at the discretion of StudentFinance and the institutions it engages with.

Intellectual Property

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by intellectual property rights, including copyright laws and treaties; all such rights are reserved. You may print off one copy of the website, for your own personal, non-commercial use. You may also download extracts, of any page(s) from our site for your personal reference. You agree that the website’s material may not be copied, reproduced, distributed, or modified in any form or by any means without the express prior written consent of StudentFinance or licence. Additionally, you agree that you will not remove or modify the author, trademark or any other proprietary notice on the website.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

User responsibilities

Some of the services offered on the website are accessible only to registered users. You must monitor and control the access of non-authorized third persons on your account. In case of damages resulting from the failure to maintain the strict confidentiality of the access, you are liable. If noticing any unauthorized use of the credentials you should immediately inform StudentFinance at the “Contact us” section of these Terms.

StudentFinance is not liable for any damage related to the theft of access credentials, your disclosure of access credentials, or your decision (in violation of these Terms) to allow another non-authorized person to access the website using your access credentials.

Use of the information on the website

The following activities are strictly prohibited:

  • activity that harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights);
  • activity that is unlawful, fraudulent, or deceptive;
  • activity that uses technology or other means to access content or systems of StudentFinance in a manner that is not authorized by StudentFinance;
  • activity that uses or launches any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” to access content or systems of StudentFinance;
  • activity that attempts to introduce viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment;
  • activity that attempts to gain unauthorized access to StudentFinance’s computer network or user accounts;
  • activity that encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
  • activity that attempts to damage, disable, overburden, or impair StudentFinance servers or networks; or
  • activity that fails to comply with applicable third-party terms.

StudentFinance will not be liable for any loss or damage caused by these activities.

No warranty

The website, including all content, information, materials, links, and other items, are provided “as is”, “as available,” and without warranty, either express or implied, including but not limited to, the warranties of non-infringement of third-party rights, title, merchantability, and fitness for a particular purpose. StudentFinance does not warrant the accuracy, adequacy, or completeness of the site and expressly disclaims liability for errors or omissions in them. You acknowledge and agree to use the site at your sole risk and that StudentFinance cannot guarantee and does not warrant that your access will be uninterrupted, timely, secure, or error-free or that the site will be free of computer viruses.

StudentFinance makes no warranty whatsoever to you, express or implied, regarding the security of the website, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through the site. You acknowledge and agree that you are solely responsible for maintaining the security of your devices. You also acknowledge and agree that you are responsible for maintaining the confidentiality of your access credentials. StudentFinance is not responsible for any losses resulting from the loss or theft of your device or the loss or theft of your information transmitted from or stored on your devices. You are required to report any unauthorized use of your account by reaching us at the “Contact us” section of these Terms.

Limitation of Liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. StudentFinance will not be liable for any damages of any kind whether in an action in contract or negligence relating to the use by any user or third party of the website or any third party site to which this website is linked, or in connection with any failure of performance or system failure. It includes any liability for: loss of income or revenue, of business, of profits or contracts, of data, of anticipated savings, of goodwill, any other loss of damage of any kind. Nothing in these terms shall operate to limit any liability which is unlimited as a matter of law.

System outages, slowdowns, and capacity limitations

At times you may experience difficulty accessing the website or communicating with StudentFinance through the internet or other electronic wireless services as a result of high Internet traffic, transmission problems, systems capacity limitations, or other problems. Any computer system or other electronic device, whether it is yours, an Internet service provider’s, or StudentFinance’s, can experience unanticipated outages or slowdowns or have capacity limitations.

Viruses, hacking, and Other Offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

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 our site or to your downloading of any material posted on it, or on any website linked to it.


Our website contains links to other websites of third parties. We do not have any kind of control over these websites or resources, and we accept no responsibility for them. We suggest you check the Privacy Policy and Terms and Conditions of these websites prior to use.


StudentFinance reserves the right, in its sole discretion, to terminate your license, your user account, or any products or services provided to you and to assert legal action with respect to content or use of the website that StudentFinance reasonably believes is or might be in violation of these Terms, additional terms and conditions, or other StudentFinance policies. StudentFinance’s failure or delay in taking such actions does not constitute a waiver of its rights to enforce these Terms or the terms of any product or service.


If any provision of these Terms shall be deemed unlawful or unenforceable for any reason, then such provision shall be deemed severable; it will not affect the validity of the remaining provisions.


StudentFinance reserves the right to modify these Terms at any time. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

StudentFinance also reserves the right to modify, temporarily or permanently, the website for any reason at its sole discretion, with or without notice to you. Your continued use of this site will mean you accept the new Terms. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Applicable law and jurisdiction

These Terms shall be governed by, and interpreted under the laws of England and Wales.

Without prejudice to the rights which may be conferred on the Student’s capacity as consumer, any disputes or claims arising over the interpretation or performance of these Terms, including those relating to any non contractual obligations arising from or related to them, shall be subject to the jurisdiction of the courts and tribunals of England and Wales.

Contact us

If you have any questions about these Terms, please contact us: