NOTICE

This website (www.omifinancial.com) is made available by OMI FINANCIAL, including its subsidiaries OMI Financial Student Loans LLC and OMI Financial Student Loan Servicing, LLC (collectively, “OMI FINANCIAL,” “we,” “us,” or “our”).

Please read these Terms of Use carefully. By accessing or using this site, you agree to be bound by the Terms of Use outlined below, including the Arbitration Provision and Class Action Waiver. If you do not agree to these Terms, you must discontinue use of this site.

By accepting these Terms, you also confirm that you’ve read, understood, and agreed to our Privacy Policy, which governs your use of this site and is incorporated into these Terms of Use.

ARBITRATION NOTICE

Except for specific disputes as detailed in the Arbitration Provision and Class Action Waiver, unless you opt-out as instructed, you agree that any dispute with OMI FINANCIAL or its affiliates will be resolved by binding, individual arbitration. You waive your right to a jury trial and your right to participate in class actions, private attorney general claims, or collective legal actions.

TERMS REVIEW

We recommend you review these Terms of Use periodically for updates. We will not alter the Arbitration Provision or Class Action Waiver in a materially adverse way without giving you a right to reject the amendment.

SITE CONTENT

All services, content, graphics, designs, audio, video, and tools on the site (“Content”) are subject to change without notice. Continued use of the site following any changes constitutes your agreement to those changes. All dated content reflects the status as of its publication and may not be updated.

OMI FINANCIAL may remove or alter any content or terminate access to the site at any time without notice. Any current agreements or transactions will remain in effect despite such changes.

OMI FINANCIAL does not guarantee that content, tools, or calculators on the site are error-free or accurate, and they are provided for informational purposes only.

USE OF SITE

This site is intended for individuals 13 years and older. You may only use the content for non-commercial, informational purposes. Reproduction or commercial use of any part of the site or its content is strictly prohibited.

We may restrict access to users located in or connecting from countries sanctioned by the Office of Foreign Assets Control (OFAC). Unauthorized access attempts or use of automated tools to interact with the site is prohibited.

You agree not to:

• Misrepresent your identity;

• Attempt unauthorized access to data or the network;

• Violate any third-party terms;

• Engage in harmful or illegal activity;

• Interfere with the functioning of the site.

We reserve the right to suspend or terminate access if these terms are violated.

ACCOUNT SECURITY

If provided with login credentials, you’re responsible for keeping them secure. Sharing credentials is prohibited. You must notify OMI FINANCIAL immediately of any unauthorized access or breach.

PRODUCTS AND SERVICES

Descriptions, terms, fees, and availability of services and products may vary by region and are subject to change at any time without notice. Eligibility depends on final review and approval by OMI FINANCIAL or the applicable third-party provider.

If applying for a product (e.g., the Ambition Mastercard), you will also be subject to separate terms from Evolve Bank & Trust, the issuing bank. OMI FINANCIAL may facilitate access to these services but is not the credit issuer.

COPYRIGHTS

All content on this site is the property of OMI FINANCIAL unless otherwise stated. You may not reuse, distribute, or modify any content without explicit written permission. Downloaded material may only be used for personal, non-commercial use.

SUBMISSIONS

Any materials submitted to OMI FINANCIAL via this site become its property. OMI FINANCIAL is free to use submitted ideas or techniques for any purpose unless otherwise required by law or stated in our Privacy Policy.

THIRD PARTY SITES

OMI FINANCIAL may link to third-party sites. We are not responsible for the content, security, or accuracy of those sites. Use of any third-party site is at your own risk and may be governed by different privacy or security policies.

SITE AVAILABILITY

We are not liable for service interruptions due to maintenance or issues beyond our control. Site performance may vary based on your device, internet provider, or region.

MOBILE ALERTS

If you sign up for mobile alerts from OMI FINANCIAL, standard message/data rates may apply. You may opt out at any time by replying “STOP.” For help, reply “HELP.”

DISCLAIMERS

OMI FINANCIAL provides the site and content “as-is,” without warranties of any kind. We are not responsible for any errors, viruses, or damages resulting from your use of the site.

LIMITATION OF LIABILITY

To the extent allowed by law, OMI FINANCIAL is not liable for any indirect, punitive, special, or consequential damages arising from your use of the site, even if advised of such risks.

INDEMNIFICATION

You agree to defend and hold OMI FINANCIAL harmless against any claims, liabilities, or costs resulting from your violation of these Terms or misuse of the site.

SEVERABILITY AND WAIVER

If any part of these Terms is deemed unenforceable, the rest remains in effect. OMI FINANCIAL does not waive any rights unless in writing by an authorized representative.

ARBITRATION PROVISION & CLASS ACTION WAIVER

This section governs any disputes you may have with OMI FINANCIAL or its partners, now or in the future. It includes details about what disputes qualify, arbitration procedures under the American Arbitration Association (AAA), and your right to opt out within 30 calendar days.

Read the full arbitration clause carefully. It includes a JURY TRIAL WAIVER and a CLASS ACTION WAIVER. Disputes will be resolved individually by arbitration unless you opt out in writing.

GOVERNING LAW

These Terms are governed by Federal laws and the laws of the State of California, unless otherwise specified. Legal disputes will be resolved in California state or federal courts unless otherwise mandated by the arbitration agreement.

ENTIRE AGREEMENT

These Terms of Use represent the full agreement between you and OMI FINANCIAL regarding your use of the site and supersede all previous agreements.