Terms of Service

Welcome to FES

Welcome to Financial Enhancement Services (FES). By using our services or visiting our website, www.fesinc.org, you're agreeing to these Terms of Service and our Privacy Policy. If you don’t agree with these terms, please refrain from using our services and website.


You must be at least 18 years old and capable of entering into a binding contract to use our services. Ensure your information is accurate and updated.

Changes to the Agreement

We may update these Terms of Service occasionally. We’ll notify you of significant changes, and by continuing to use our services, you agree to the updated terms.

Registration Information

Registering on our site helps us tailor our services to your financial needs and inform you of other relevant services. Provide accurate and complete information as outlined in our Privacy and Cookie Notice.

Refer a Friend

You can refer friends to our site, ensuring you have their permission to share their email addresses. You'll be responsible for any liability arising from sharing their email addresses.

License and Assignment

FES owns or licenses all content on the site. We grant you a limited, non-commercial license to use our service. Any unauthorized use or reproduction is prohibited.

Technology Limitations and Modifications

FES strives to be continuously operational but may face interruptions due to technical difficulties or maintenance. We reserve the right to modify or discontinue our services without liability.

Term and Termination

These terms apply until terminated by you or FES. We may suspend or terminate your access for unauthorized use or non-compliance with these terms.

Disclaimer of Warranties

FES provides services "as is" and "as available," without any warranties. We disclaim all warranties, express or implied, to the fullest extent permitted by law.

Limitation of Liability

To the extent permitted by law, your sole remedy for dissatisfaction with our service is to stop using it. FES is not liable for any indirect, incidental, or consequential damages.


For questions or concerns about these Terms of Service, contact us at support@fesinc.org.

Assisting with Student Loan Document Preparation Financial Enhancement Services (FES) is dedicated to professional document preparation, and we do not negotiate, adjust, or settle debts. Every federal student borrower has the opportunity and is encouraged to apply for federal repayment or forgiveness programs directly through the US Department of Education at no cost. FES is not a lender or legal advice service. For legal or financial advice, please consult with a professional attorney or financial advisor. Each revision maintains the original message while improving clarity and conciseness, ensuring that the information is easily digestible and accessible for readers.