Effective Date: September 19, 2026 | Last Updated: September 19, 2026
These Terms of Use (“Terms”) form a legally binding agreement between you and Strivo Systems LLC, a Texas limited liability company doing business as Strivo (“Strivo,” “we,” “us,” or “our”), governing your access to and use of the Strivo website, dashboard, tuition receivables servicing platform, and related services (collectively, the “Service”).
By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Separate agreements, disclosures, authorizations, or payment-plan terms may also apply. If a separate signed agreement conflicts with these Terms, the signed agreement controls for that conflict.
1. Users and Authority
The Service may be used by:
- “School” — a career school, trade school, bootcamp, training provider, or other educational institution that has contracted with Strivo, together with its authorized representatives
- “Student” — an individual whose tuition account or payment plan is administered through the Service
School representatives must be authorized to act for their institution.
Students must be at least 18 years old and legally capable of entering the applicable agreements, unless a legally authorized representative completes the required process.
2. Description of the Service
Strivo provides technology and servicing functions that may allow Schools and Students to:
- Create and administer tuition accounts and payment plans
- Complete identity, contact, and bank-account verification
- Review and execute contracts, disclosures, and authorizations
- Schedule, process, and track ACH and card payments
- Track account status, balances, delinquency, disputes, and payment history
- Reconcile collections and School settlements
- Receive account communications and support
- Support authorized credit-reporting workflows when separately enabled
Strivo is an outsourced tuition receivables servicer and technology provider.
Unless a separate written agreement expressly states otherwise, the School remains the creditor and owner of the tuition receivable, and Strivo does not purchase the receivable or advance funds against it.
3. Account Registration and Security
You must provide accurate, current, and complete information.
You are responsible for protecting your login credentials and for activity conducted through your account.
You must promptly notify Strivo of:
- Suspected unauthorized access
- Compromised credentials
- Inaccurate account information
You may not share credentials with an unauthorized person, access another user’s account, or attempt to bypass security or role restrictions.
4. Electronic Records and Signatures
The Service may present agreements, disclosures, notices, and authorizations electronically and may permit electronic signatures.
By providing applicable consent and using an electronic signature, you agree that electronic records and signatures may have the same legal effect as paper records and handwritten signatures, subject to applicable law and any separate electronic-consent disclosure.
You are responsible for retaining copies of documents made available to you.
Contact Strivo if you cannot access a required document.
5. Payment Terms and Authorizations
- Payment Methods. Students may be able to make payments by ACH bank transfer or payment card. Available methods may vary.
- Payment Authorization. By submitting payment information or authorizing a payment, you authorize Strivo and its payment-service providers to initiate and process the transaction in accordance with the applicable payment plan, authorization, and instructions presented to you.
- ACH Transactions. For ACH transactions, you authorize applicable debit entries and any permitted correcting or reversing entries in accordance with the authorization presented to you and applicable network rules.
- Revocation. You may revoke an ongoing authorization as described in that authorization, but revocation does not affect a transaction already processed or other payment obligations.
- Scheduled Payments and Retries. Scheduled payments, retries, fees, returned-payment treatment, and related account consequences are governed by the applicable payment plan, retail installment contract, disclosure, or other agreement.
- Fees. Any fee charged to a Student must be disclosed and authorized as required by the governing agreement and law.
- Pending Payments. Payment status may remain pending while a bank or processor completes a transaction. A submitted or pending payment is not final until the Service records it as successfully completed under the applicable processing rules.
6. Account Servicing, Delinquency, and Disputes
Strivo may maintain balances, payment history, servicing status, delinquency status, notices, and related account records on behalf of the School.
Students remain responsible for obligations owed under their agreement with the School.
If you believe an account record or payment is incorrect, promptly contact Strivo and the School using the contact information provided with your account.
Strivo may request information reasonably necessary to investigate and document the matter.
7. Credit Reporting
Credit-bureau reporting is not automatically active for every School or account.
If reporting is separately enabled, authorized, and legally permitted, Strivo may support furnishing account information on the School’s behalf.
Applicable notices, authorizations, dispute rights, and reporting terms will be provided separately where required.
Nothing on the public website activates credit reporting for a School or Student account.
8. School Responsibilities
Schools must:
- Provide complete and accurate enrollment, tuition, contract, payment-plan, and account information
- Maintain authority to create and service the applicable tuition receivables
- Obtain and retain notices, consents, and authorizations required before submitting information or initiating activity
- Use the Service only for authorized educational and tuition-servicing purposes
- Restrict account access to authorized personnel
- Review account, settlement, and exception information made available through the Service
- Comply with applicable law and the School’s separate agreement with Strivo
9. Student Responsibilities
Students must:
- Provide accurate identity, contact, payment, and account information
- Complete required verification steps
- Review agreements, disclosures, and payment authorizations before accepting them
- Maintain valid payment information and sufficient funds when a payment is due
- Promptly update relevant contact or payment information
- Use the Service only for lawful purposes and their own account
10. Transactional Text Messaging Terms
If you separately opt in, Strivo may send transactional text messages to the mobile number you provide.
Messages may concern:
- Identity-verification codes
- Account onboarding
- Payment reminders
- Payment status
- Account servicing
- Security notifications
Message frequency varies. Message and data rates may apply.
Consent to receive text messages is optional and is not a condition of enrollment, purchase, or receiving Strivo’s services.
Reply STOP to opt out at any time. After opting out, you may receive one final confirmation message.
Reply HELP for assistance, email hello@strivo.co, or call (346) 488-5391.
Wireless carriers are not liable for delayed or undelivered messages.
You represent that you are the subscriber or customary user of the mobile number provided and that you are authorized to consent to messages at that number.
Notify Strivo if the number changes or is reassigned.
11. Acceptable Use
You may not:
- Use the Service for an unlawful, fraudulent, deceptive, or unauthorized purpose
- Submit false, misleading, or unauthorized information
- Access or attempt to access another person’s account or data
- Bypass access controls or interfere with the Service’s security, availability, or integrity
- Introduce malicious code or use automated means that burden or disrupt the Service
- Reverse engineer or attempt to extract source code except where applicable law expressly permits it
- Use information obtained through the Service for an unrelated or unauthorized purpose
12. Intellectual Property
The Service, including its software, design, branding, text, and other content, is owned by Strivo or its licensors and protected by applicable intellectual-property laws.
Subject to these Terms and any separate agreement, Strivo grants authorized users a limited, revocable, non-exclusive, non-transferable right to access and use the Service for its intended purpose.
No ownership right is transferred.
13. Third-Party Services
The Service may rely on third-party providers for:
- Hosting
- Identity verification
- Payments
- Bank linking
- Electronic signatures
- Text messaging
- Other operational functions
Third-party services may be subject to separate terms and privacy notices.
Strivo is not responsible for an independent third-party service outside Strivo’s reasonable control, but this does not limit obligations Strivo cannot lawfully disclaim.
14. Privacy
Your use of the Service is also governed by Strivo’s Privacy Policy, which explains how we collect, use, disclose, retain, and protect information.
15. Availability and Changes to the Service
We may maintain, modify, suspend, or discontinue parts of the Service, subject to applicable agreements and law.
We do not guarantee that every feature will be available at all times.
We may use maintenance windows, security controls, or feature restrictions to protect the Service and its users.
16. Disclaimers
TO THE EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
STRIVO DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT TO THE EXTENT THOSE WARRANTIES MAY LAWFULLY BE DISCLAIMED.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR IMMUNE FROM EVERY SECURITY RISK.
Nothing in these Terms excludes a warranty, right, remedy, or obligation that cannot lawfully be excluded.
17. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STRIVO WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STRIVO’S AGGREGATE LIABILITY ARISING FROM THESE TERMS WILL NOT EXCEED THE FEES PAID TO STRIVO FOR THE AFFECTED SERVICE DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
These limitations do not apply where prohibited by law or to liability that cannot lawfully be limited.
18. Suspension and Termination
Strivo may suspend or terminate access when reasonably necessary to address:
- A violation of these Terms
- Suspected fraud
- Security risks
- Legal requirements
- Nonpayment
- Termination of the applicable School agreement
School termination rights are governed by the School’s separate agreement.
Student account closure does not eliminate payment or other obligations owed under a separate agreement.
19. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except to the extent federal law or another mandatory law applies.
20. Changes to These Terms
We may update these Terms from time to time.
We will post the updated version, revise the “Last Updated” date, and provide any additional notice required by law or contract.
Material changes may also be communicated by email or through a prominent notice within the Service.
21. Contact Us
If you have questions about these Terms or the Service, contact us at:
Strivo Systems LLC
9800 Richmond Avenue, Suite 700
Houston, TX 77042
Email: hello@strivo.co
Phone: (346) 488-5391
22. Miscellaneous
If a provision of these Terms is unenforceable, the remaining provisions remain effective.
A failure to enforce a provision is not a waiver.
You may not assign these Terms without Strivo’s prior written consent.
Strivo may assign these Terms in connection with a reorganization, merger, financing, or sale of business or assets.
These Terms, together with the Privacy Policy and any applicable separate agreements, constitute the agreement governing your use of the Service.