Buy Now Pay Later Solutions For E-Learning Companies.
Aeon provides market-leading pay over time, buy now pay later consumer lending solutions to over 40 merchant partners in the online education and e-learning space.
For E-Learning and Online Education Companies looking to scale and unlock 100% of their customer base.
33% projected revenue increase per merchant partner starting in month 1 with our loan product, Adapt.
$5,000,000 per month in committed originations across our partner base as of December 2024.
Flexible payment options for borrowers, and you'll never pay more than you agree to.
Transparent, market leading merchant solutions that unlocks lost revenue for customers who qualify.
Fully in-house
consumer lending solutions
At Aeon, we understand that adapting to your customer base's financial and payment needs is not just about survival—it's about thriving. Let us help you help your customers who need it most and unlock massive potentially lost revenue.
Our values
Whether you're selling mastermind tickets, consulting, coaching, or courses, we're here to help your customers afford it and maximize your revenue in the process.
Transparency
We're transparent about what we charge to our merchants and their customers. Fees are fixed from the beginning.
Flexibility
We offer flexible payment options to your customers, so that they're able to get the education they need most.
Simplicity
Payment options that suit customers' budgets, without sacrificing revenue for our merchants.
About
Aeon
We started Aeon because Buy Now, Pay Later companies have completely forgot about the people who need it most. They market themselves as "easy payment options for everyone" but end up costing the borrower an arm and a leg, and charge astronomical fees to merchants.As merchants ourselves across other industries, we grew tired of dealing with these companies and decided to build our own solution.With Aeon, you'll never pay more than you agree to up front, and we'll always provide our partners and customers with the best, market-leading solutions.
Our Leadership
David H. Reineke - President
David is the dynamic President of Aeon. David is a visionary entrepreneur and seasoned executive with an intensely robust business background.David began his career in financial lending sales, and transitioned into to technology by founding of one of the largest B2C online education software companies, which revolutionized the sales & marketing industry between 2021 and 2024.Now at the helm of Aeon, David leverages his extensive experience to steer the company towards new horizons in technological development and financial development.His vision for Aeon is to harness the latest technologies to deliver exceptional value to clients, ensuring Aeon remains synonymous with innovation, efficiency, and reliability in the fintech sector.His strategic foresight and dedication to excellence make him a true pioneer, continually setting the stage for the next evolution of industry standards.David has been responsible for generating over $60,000,000 in across over 1,000 transactions in his career. He holds a degree in Finance.
Harsimran Singh - Chief Technical Officer
Harsimran Singh is the Chief Operating Officer at Aeon, where he expertly combines his vast expertise in systems and automation with his background in computer science. His extensive technological experience in sales and marketing systems has been pivotal in transforming Aeon's operational efficiencies and development of our proprietary underwriting model using AI & Machine Learning.Graduating with a Bachelor’s degree in Computer Science from the University of California. His strategic vision focuses on integrating advanced automation technologies into business processes, enhancing productivity and scalability across the company.At Aeon, Harsimran is responsible for streamlining underwriting and technological operations and ensuring that all business units are aligned with the company’s strategic goals. He leads initiatives to optimize workflows, implement robust systems, and leverage data-driven insights to drive business decisions. His leadership ensures that Aeon remains agile and responsive in a competitive and ever-changing financial landscape.Harsimran's comprehensive understanding of both technical and business aspects makes him a cornerstone of Aeon’s success, ensuring the company operates at its full potential while continuing to innovate and lead in the financial sector.
Our Mission
Aeon is founded on the principles of precision, strategy, and the relentless pursuit of excellence.We are a team of industry veterans and cutting-edge thinkers, we deliver unparalleled financial infrastructure and technology solutions to our clients, customers, and merchant partners.
- David H. Reineke, President of Aeon Financial Group
Speak with us
Talk with our team by scheduling here
Pleae make sure to include any and all relevant information regarding your business, monthly processing volume, reasonable expected origination volume per month, number of customers financed per month, average financing size, and what type of e-learning products you sell.
$5M+
monthly committed originations
40+
merchant partners in the education space
33%
average immediate revenue increase
Privacy Policy
Effective Date: November 24, 2024Last Updated: November 24, 2024Aeon Financial Group LLC (“we,” “our,” “us”) values your privacy and is committed to protecting your personal information in compliance with all applicable laws and regulations in the United States of America, including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), and other relevant federal and state laws.This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with our website, products, or services. By accessing or using our services, you agree to the practices described in this Privacy Policy.
1. Information We CollectWe collect information that identifies, relates to, describes, or is reasonably capable of being associated with an individual, including:1.1 Information You Provide• Personal Information: Name, address, email, phone number, Social Security Number (SSN), or other identifying information.
• Financial Information: Bank account details, income data, and credit-related information required to process loan applications.1.2 Information Automatically Collected• Device Information: IP address, browser type, operating system, and device identifiers.
• Usage Data: Log data, pages visited, and interactions with our website or services.1.3 Information from Third Parties• Financial Institutions: Bank transaction history and account details via third-party integrations like Plaid.
• Credit Reporting Agencies: Credit history, scores, and related financial information.
2. How We Use Your InformationWe use your information for the following purposes:
• To process loan applications and provide our services.
• To verify your identity and assess creditworthiness.
• To comply with legal and regulatory obligations.
• To detect and prevent fraud, security breaches, and unauthorized activity.
• To improve our services, website, and user experience.
• For internal analytics and reporting purposes.We do not sell your personal information to third parties.
3. How We Share Your InformationWe only share your information in strict compliance with applicable laws and under the following circumstances:3.1 With Your Consent• When you explicitly authorize us to share your information with third parties.3.2 For Business Operations• With service providers, such as Plaid, who assist in underwriting, data analysis, and processing.
• With financial institutions for the purpose of providing loan services.3.3 For Legal Compliance• To comply with subpoenas, court orders, or legal processes.
• To protect the rights, property, or safety of our users, our company, or others.
4. Your RightsAs a consumer, you have specific rights under applicable laws, including:4.1 Access and Portability• You have the right to request access to the personal information we hold about you.4.2 Correction and Deletion• You may request corrections to inaccurate information or deletion of your personal data, subject to legal retention requirements.4.3 Opt-Out• You can opt-out of certain data sharing practices, as permitted by law.4.4 Non-Discrimination• We will not discriminate against you for exercising your privacy rights.To exercise your rights, please contact us at [email protected].
5. Data SecurityWe employ stringent security measures to protect your information, including:
• Encryption: All sensitive information is encrypted during transmission and storage.
• Access Control: Restricted access to personal information to authorized personnel only.
• Monitoring: Regular audits and monitoring for potential vulnerabilities.Despite our efforts, no security measures are foolproof, and we cannot guarantee absolute security.
6. Data RetentionWe retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements.
7. Children’s PrivacyOur services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware of such data, we will delete it immediately.8. Updates to This Privacy PolicyWe may update this Privacy Policy from time to time to reflect changes in laws, regulations, or our practices. Updates will be effective when posted, and we will notify you of material changes as required.
9. Contact UsIf you have any questions or concerns about this Privacy Policy, please contact us:Aeon Financial Group LLC
1309 Coffeen Avenue, STE 1200
Sheridan, Wyoming 82801
Email: [email protected]
California Consumer Privacy Act
California Consumer Privacy Act (CCPA) Notice
Effective Date: November 24, 2024
Last Updated: November 24, 2024Aeon Financial Group LLC
1309 Coffeen Avenue, STE 1200
Sheridan, Wyoming 82801At Aeon Financial Group LLC (“we,” “our,” or “us”), your privacy is a top priority. We are committed to protecting your personal information in accordance with the California Consumer Privacy Act (CCPA). This CCPA Notice explains your rights under the law and how we comply with the CCPA to ensure transparency and privacy protection.1. Categories of Personal Information We Collect
We collect the following categories of personal information as defined under the CCPA:
• Identifiers: Name, email address, postal address, phone number, and Social Security Number (SSN).
• Financial Information: Bank account details, income data, and credit-related information for loan processing.
• Internet or Other Electronic Network Activity: IP addresses, browser types, device identifiers, and activity logs when using our website or services.
• Commercial Information: Records of loan transactions and interactions with our services.
2. Purposes for Collecting Personal Information
We collect personal information to:
• Provide and manage loan services, including processing applications and managing accounts.
• Verify your identity and assess creditworthiness.
• Comply with legal and regulatory requirements.
• Detect and prevent fraud or unauthorized activity.
• Improve our services and website functionality.
3. Your Rights Under the CCPA
California residents have specific rights regarding their personal information. These include:3.1 Right to Know
You have the right to request details about:
• The categories and specific pieces of personal information we have collected.
• The categories of sources from which your information was collected.
• The purposes for collecting or sharing your information.
• The categories of third parties with whom we share your information.3.2 Right to Delete
You have the right to request deletion of your personal information, subject to certain exceptions, such as compliance with legal obligations or completing transactions.3.3 Right to Opt-Out of Sale of Personal Information
Aeon Financial Group does not sell your personal information.3.4 Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA rights.4. How to Exercise Your Rights
To exercise your CCPA rights, you may contact us through the following methods:
• Email: [email protected]
• Mail: Aeon Financial Group LLC, 1309 Coffeen Avenue, STE 1200, Sheridan, Wyoming 82801
• Phone: [Insert Phone Number]
Please include the following information in your request to help us verify your identity:
• Full name.
• Contact information (email or phone).
• Description of your request.
We will verify your identity using information you provide and respond to your request within 45 days. If additional time is needed, we will notify you.5. Data Sharing and Security
• We may share your personal information with service providers (e.g., Plaid) to support our operations.
• We implement robust security measures, including encryption and limited access controls, to protect your data.6. Updates to This CCPA Notice
We may update this notice periodically to reflect changes in legal requirements or our practices. The updated version will include an effective date.Contact Us
If you have questions about this notice or your rights under the CCPA, please contact us:
• Email: [email protected]
• Mail: Aeon Financial Group LLC, 1309 Coffeen Avenue, STE 1200, Sheridan, Wyoming 82801
• Phone: +1 323-538-5772
Terms & Conditions
Terms and ConditionsEffective Date: November 24, 2024
Last Updated: November 24, 2024Welcome to Aeon Financial Group LLC’s website (the “Website”). By accessing or using the Website, you agree to comply with and be bound by the following terms and conditions (the “Terms”). If you do not agree to these Terms, please do not use the Website.1. IntroductionThese Terms govern your use of the Website, operated by Aeon Financial Group LLC (“we,” “our,” or “us”), a Wyoming company headquartered at 1309 Coffeen Avenue, STE 1200, Sheridan, Wyoming 82801.2. Use of the Website2.1 EligibilityYou must be at least 18 years old to use this Website. By accessing or using the Website, you represent and warrant that you meet this requirement.2.2 Permitted UseYou may use the Website solely for lawful purposes and in accordance with these Terms. Prohibited uses include but are not limited to:
• Violating applicable laws or regulations.
• Interfering with or disrupting the Website’s operation.
• Attempting to gain unauthorized access to our systems.3. Intellectual PropertyAll content, design, logos, text, graphics, and software on the Website are the intellectual property of Aeon Financial Group LLC or its licensors. You may not copy, reproduce, modify, or distribute any content without prior written consent from us.4. Disclaimer of WarrantiesThe Website and its content are provided “as is” and “as available” without any warranties of any kind, express or implied, including but not limited to:
• Warranties of merchantability or fitness for a particular purpose.
• Warranties that the Website will be uninterrupted, error-free, or secure.We are not responsible for any technical issues or inaccuracies on the Website.5. Limitation of LiabilityTo the fullest extent permitted by law, Aeon Financial Group LLC and its affiliates shall not be liable for any damages, including direct, indirect, incidental, or consequential damages arising from:
• Use or inability to use the Website.
• Errors or omissions in the Website’s content.
• Unauthorized access to your data or personal information.6. Privacy PolicyOur use of your personal information is governed by our Privacy Policy. By using the Website, you agree to the terms of our Privacy Policy.7. Third-Party LinksThe Website may contain links to third-party websites or services. We do not endorse or control these third-party websites and are not responsible for their content or practices. Your use of third-party websites is at your own risk.8. Modifications to TermsWe reserve the right to modify these Terms at any time. Changes will become effective when posted on the Website. It is your responsibility to review these Terms periodically. Your continued use of the Website constitutes acceptance of any changes.9. TerminationWe may suspend or terminate your access to the Website at any time, without notice, for conduct that violates these Terms or is otherwise harmful to Aeon Financial Group LLC or its users.10. Governing LawThese Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of laws principles.11. Dispute ResolutionAny disputes arising out of or related to these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration taking place in Sheridan, Wyoming.12. Contact InformationFor questions or concerns regarding these Terms, please contact us:
• Email: [email protected]
• Mail: Aeon Financial Group LLC, 1309 Coffeen Avenue, STE 1200, Sheridan, Wyoming 82801
• Phone: +1 (323) 538-5772By using the Website, you agree to these Terms and Conditions. Thank you for visiting Aeon Financial Group LLC.