1. Acceptance of Terms
By accessing or using ProdigyFinanceApply.com ("the Platform," "we," "us," or "our"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use this platform. Continued use of the platform after any update to these terms constitutes acceptance of the revised terms.
2. Nature of This Platform
We do not:
- Issue, originate, or service loans
- Process loan applications on behalf of any lender
- Hold, transfer, or have access to loan funds
- Act as an agent or representative of Prodigy Finance Ltd, MPOWER Financing, or any other financial institution
We provide informational content, comparison tools, editorial reviews, and referral links to third-party lenders. Any loan application you submit is processed directly by the relevant lender under that lender's own terms and conditions.
3. No Financial, Legal, or Tax Advice
You should not rely on any content on this platform as the sole basis for making any financial decision, including but not limited to: taking out a student loan, selecting a lender, choosing between fixed and variable rate products, or determining your loan eligibility.
We strongly recommend that you consult with a qualified, independent financial advisor, your university's financial aid office, and/or a legal professional before making any significant financial commitments. Interest rates, fees, and loan terms shown on this platform are estimates and may not reflect the specific offer you receive from any lender.
4. Independence & Affiliations
ProdigyFinanceApply.com operates as an independent platform. We confirm:
- We have no commercial ownership relationship with Prodigy Finance Ltd or any other lender reviewed on this platform
- Editorial scores, ratings, and recommendations on this platform cannot be purchased or commercially influenced by lenders
- We are not subject to any editorial control by Prodigy Finance Ltd, MPOWER Financing, or any other reviewed financial institution
- Positive or negative reviews and editorial assessments reflect the independent judgment of our editorial team
5. Referral Fee Disclosure (FTC Compliance)
In compliance with FTC Guides Concerning Endorsements and Testimonials (16 CFR Part 255) and applicable international advertising standards, we disclose the following:
ProdigyFinanceApply.com may earn referral or affiliate fees when users click through from our platform to a lender's website and subsequently complete a loan application or obtain a loan. These fees, if earned, are paid by the lender to us — they do not increase the cost of your loan and are not added to your loan terms.
The existence of referral fee arrangements does not influence our editorial scores, reviews, or recommendations. Lenders that pay higher referral fees do not receive higher editorial scores as a result. Our editorial independence policy is described in full on our About page.
At the time of publication, we may have referral relationships with Prodigy Finance and/or MPOWER Financing. This relationship is disclosed here and does not constitute an endorsement of any specific loan product for your individual circumstances.
6. Content Accuracy & Currency
We make reasonable efforts to ensure that all information on this platform is accurate, current, and based on publicly available sources as of the stated review date. However:
- Loan terms, interest rates, fees, and eligibility criteria change frequently
- The information on this platform may not reflect the most current loan terms at any given lender
- We cannot guarantee the accuracy, completeness, or currency of any specific loan term, rate range, or eligibility criterion presented
Always verify all loan terms, interest rates, fees, eligibility criteria, and repayment conditions directly with the relevant lender before making any decision. The only authoritative source for your loan terms is your official loan offer / term sheet from the lender.
7. Limitation of Liability
To the fullest extent permitted by applicable law, ProdigyFinanceApply.com, its operators, editors, and contributors:
- Provide this platform "as is" and "as available," without warranties of any kind
- Make no warranty that the platform will be error-free, uninterrupted, or secure
- Accept no liability for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on this platform or its content
- Accept no liability for any financial loss arising from a loan decision made in reliance on information presented on this platform
- Accept no liability for the actions, omissions, or products of any third-party lender linked from this platform
Your use of this platform and any reliance on its content is entirely at your own risk.
8. Intellectual Property
All original content on ProdigyFinanceApply.com — including editorial reviews, guides, comparison data, graphics, and scoring frameworks — is the intellectual property of ProdigyFinanceApply.com and is protected by copyright. You may share links to this content but may not reproduce, republish, or commercially exploit our content without express written permission.
Prodigy Finance, MPOWER Financing, and other brand names referenced on this platform are trademarks of their respective owners. Their use on this platform is for editorial reference purposes only and does not imply endorsement.
9. Prohibited Uses
You agree not to use this platform to:
- Scrape, harvest, or systematically extract data from the platform
- Submit false, fraudulent, or misleading student reviews
- Attempt to compromise the security or integrity of the platform
- Use the platform in any way that violates applicable laws or regulations
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity
10. Third-Party Links
This platform contains links to third-party websites and lenders. We are not responsible for the content, privacy practices, accuracy, or availability of any third-party website. Links to lender websites do not constitute an endorsement of that lender's products as suitable for your personal financial situation. Review each lender's terms, conditions, and privacy policy independently before submitting any application or personal data.
11. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any dispute arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where applicable local consumer protection laws confer additional rights upon you.
12. Changes to These Terms
We reserve the right to modify these Terms of Service at any time. The "Last updated" date at the top of this page will reflect the most recent revision. Material changes will be announced on the homepage. Your continued use of the platform after any modification constitutes your acceptance of the updated terms.
13. Contact
For questions about these Terms of Service, contact:
Legal — ProdigyFinanceApply.com
Email: [email protected]