Last updated Wed, Nov 4, 2026.
Pay4Me, Inc., d/b/a Radius, is a financial technology company, not a bank. Radius is not a school, a lender, an immigration authority, or a licensed immigration or legal adviser.
These Free Advisory Service Terms (the "Advisory Terms") govern your use of the Radius Study Abroad Expert Assistance programme (the "Programme"). They form part of the Radius Terms of Service at withradius.com/terms and use the definitions set out there.
1. Scope
1.1 These Advisory Terms apply to every customer who takes the qualification check, books a call with a Radius expert (an "Expert Call"), or otherwise uses the Programme, wherever you are located.
1.2 The Terms of Service continue to apply to you in full, including Sections 11 (Your Representations), 18 (Limitation of Liability), 19 (Indemnity), 20 (Governing Law), and 21 (Dispute Resolution and Arbitration). Where these Advisory Terms conflict with the Terms of Service in relation to the Programme, these Advisory Terms govern the Programme.
1.3 Nothing in these Advisory Terms removes any right you have under mandatory law that cannot be excluded by agreement. Sections 1.7 and 1.9 of the Terms of Service apply.
2. Free of Charge, Always
2.1 The Programme is free. Radius does not charge any fee for the qualification check, an Expert Call, or any guidance under the Programme, and at no point will you be asked to pay Radius or anyone on our team for this assistance.
2.2 No Radius employee or contractor is authorized to request or accept any payment, gift, deposit, or "processing fee" from you in connection with the Programme. If anyone asks you to pay, do not pay, and report it through in-app support or at support@withradius.com. Radius is not liable for any amount you pay to such a person, or to anyone falsely claiming to represent Radius, except where applicable law provides otherwise.
2.3 This Section applies only to the Programme. Where you use the Service to pay a school or any other Beneficiary, the fees and exchange rates in Sections 9 and 10 of the Terms of Service apply in the usual way.
3. Eligibility
3.1 The Programme is available only to verified Radius customers whose accounts are in good standing, and only for their own study plans.
3.2 To book an Expert Call, you must complete the qualification check. Radius decides whether you qualify in its sole discretion and is not obliged to give reasons. Qualifying means only that you may book an Expert Call; it is not an assessment of your chances of admission, funding, a loan, or a visa.
4. What the Programme Includes
4.1 A Radius expert may provide one-on-one guidance on:
(a) School and Program Search: a shortlist that fits your goals, grades, and budget;
(b) Application Support: required documents, your statement of purpose, and deadlines;
(c) Funding Options: scholarships, grants, assistantships, graduate assistantships, and student loans; and
(d) Visa Preparation: a checklist of the documents and steps generally required for a study visa.
4.2 Experts provide guidance only. They will not complete, write, sign, or submit any application or document for you, or act as your agent with any school, lender, or authority, unless we agree otherwise in writing.
4.3 Expert availability is limited. Expert Calls must be booked through the Application, may be recorded where we tell you at the start of the call, and may be cancelled or rescheduled by either party. We may decline further bookings where you repeatedly miss calls or behave inappropriately. Radius may change, suspend, or end any part of the Programme at any time.
5. Student Loans
5.1 Where you are well qualified, an Expert may introduce you to loans from Radius lending partners covering 50% to 100% of eligible costs, currently for programmes in the United Kingdom and Canada, select UK short courses, and select vocational and short courses across Europe. Loans are available only at selected schools, and a guarantor is required.
5.2 Radius does not lend money or make credit decisions. Any loan is offered by the lending partner, on its own criteria and under its own loan agreement, terms, and privacy policy, which you should read before accepting. Covered countries, schools, courses, and amounts may change at any time.
5.3 Scholarships and assistantships are competitive. Do not rely on a loan or a scholarship as your only funding plan.
6. No Guarantees
6.1 Radius cannot and does not promise admission to any school, any scholarship, grant, assistantship or other funding, any loan, or any visa or study permit. Those decisions are made by schools, lenders, funding providers, embassies, and immigration authorities, at their own discretion and outside our control.
6.2 Information about schools, courses, deadlines, costs, funding, and visa requirements may change without notice. You must confirm it directly with the school, lender, or authority concerned before you act on it.
7. Advice Only
7.1 Guidance under the Programme is general educational guidance. It is not legal, immigration, tax, or financial advice, and Section 11.5 of the Terms of Service applies. Where you need legal or immigration advice, obtain it from a suitably qualified and, where required, licensed adviser.
7.2 You make all final decisions about where and what to study, how to fund your studies, and what to submit, and you are solely responsible for the accuracy and timely submission of every application you make.
8. Your Costs Are Yours
8.1 You are responsible for all costs of your study plans, including application fees, deposits, tuition, test fees, visa and immigration fees, and lender fees. Radius does not refund or reimburse any of them, whatever the outcome of your applications.
8.2 Where you pay any of those costs through the Service, refunds are governed only by Section 14 of the Terms of Service, the Order Cancellation Policy, and the Third-Party Refund Policy.
9. True Information
9.1 Your answers and documents, including your transcript or results, passport details, funding plan and proof of funds, and CV, must be true, complete, genuine, and unaltered.
9.2 Where we reasonably believe any information or document is false or altered, we may end your access to the Programme, act on your account under Section 24.3 of the Terms of Service, and report the matter where required or permitted by law.
10. Your Information
10.1 We handle information you provide through the Programme as described in the Radius Privacy Policy at withradius.com/privacy-policy. We share it with a school or lending partner only where you ask us to or choose to be introduced to it, after which it is handled under that party's own privacy policy.
11. Liability
11.1 The Programme is provided free, "as is" and "as available", and Section 18 of the Terms of Service applies in full. Without limiting it, Radius is not liable for any decision of a school, lender, funding provider, or authority, any missed deadline, or any loss arising from information that changed or that you provided inaccurately.
12. Changes and Contact
12.1 Radius may change these Advisory Terms at any time under Section 23 of the Terms of Service. Your continued use of the Programme after a change takes effect constitutes acceptance of it.
12.2 Questions, or reports of anyone asking you to pay: in-app support or support@withradius.com. Pay4Me, Inc., dba Radius, 9751 West Chinden Boulevard, Suite 100, Garden City, ID 83714, United States.
