Terms and Conditions
1. Acceptance of Terms of Use and Amendments.
Each time you use or cause access to this web site, you agree to be bound by these Terms of Use, and as amended from time to time with or without notice to you. In addition, if you are using a particular service on or through this web site, you will be subject to any rules or guidelines applicable to those services and they shall be incorporated by reference into these Terms of Use. Please see our Privacy Policy, which is incorporated into these Terms of Use by reference.
2. Our Service.
Our web site and services provided to you on and through our web site on an "AS IS" basis. You agree that the owners of this web site exclusively reserve the right and may, at any time and without notice and any liability to you, modify or discontinue this web site and its services or delete the data you provide, whether temporarily or permanently. We shall have no responsibility or liability for the timeliness, deletion, failure to store, inaccuracy, or improper delivery of any data or information.
3. Your Responsibilities and Registration Obligations.
In order to use this web site, you must register on our site, agree to provide truthful information when requested. When registering, you explicitly agree to our Terms of Use and as may be modified by us from time to time and available here.
4. Privacy Policy.
Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.
5. Limitation of liability.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSS (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR ARISING OUT OF (I) THE USE OF OR THE INABILITY TO USE THE SERVICE, (II) THE COST TO OBTAIN SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH THE SERVICE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE SERVICE.
In some jurisdictions, it is not permitted to limit liability and therefore such limitations may not apply to you.
6. Reservation of Rights.
We reserve all of our rights, including but not limited to any and all copyrights, trademarks, patents, trade secrets, and any other proprietary right that we may have in our web site, its content, and the goods and services that may be provided. The use of our rights and property requires our prior written consent. We are not providing you with any implied or express licenses or rights by making services available to you and you will have no rights to make any commercial uses of our web site or service without our prior written consent.
7. Notification of Copyright Infringement.
If you believe that your property has been used in any way that would be considered copyright infringement or a violation of your intellectual property rights, our copyright agent may be contacted at the following address:
180 Sylvan Ave
Englewood Cliffs,
New Jersey, 07632
8. Eligibility for Student Loans.
We are not a lender and do not make loans or credit decisions in connection with loans. We are not an agent of you or any lender. Our services are only administrative and consultative. Your use of this site, the submission of any applications, profiles or forms completed by you through this site, to the result or referral you may receive DO NOT constitute an offer or promise of credit, pre-approval or approval for any loan or loan program, or other commitment. Your eligibility for education financial services will be determined by your individual financial situation and the opinion of external agencies (e.g., schools, lenders, and the United States Department of Education), among other things. Searching for education loans and/or submitting a profile or an application for a loan does not guarantee that you will receive financing. Loan approval standards are established and maintained solely by individual lenders, and we do not guarantee loan approval or acceptance into any loan program or specific terms or conditions with any lender.
9. Student Loan Providers.
We have no control over, and no liability for any third party student loan providers, including the legality of any loan products or services, the truth or accuracy of any listings, the ability of loan providers to provide products or services, including those of loan providers whose Internet site may be linked to this site. Because we do not have control over the content and performance of Internet sites of loan providers, we make no guarantee and do not warrant the accuracy, currency, content, or quality of the services or information provided by such sites or that such sites are error-free or that your access will be uninterrupted or that material accessible from this site is free of viruses. Each lender is solely responsible for its services to you. We do not endorse any lenders or any products or services of any particular lender, and you agree that we will not be liable for any damages or costs of any type arising out of or in any way connected with your use of the products or services of any lender. You should base all decisions on selecting a lender and loan product on your own judgment. We do not guarantee that the loan terms or rates offered through this site are the best terms or lowest rates available. Loan providers may only provide services or loans to residents of states which such providers are licensed or authorized to do so. We are paid a fee by participating lenders for the services provided. Your use of this site constitutes your agreement with this compensation arrangement.
10. Applicable Law.
You agree that this Terms of Use and any dispute arising out of your use of this web site or our products or services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this web site is located, without regard to its conflict of law provisions. By registering or using this web site and service you consent and submit to the exclusive jurisdiction and venue of the county or city where the headquarters of the owner of this web site is located.
11. External Links.
This site may contain links to third party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or webmaster for those External Sites in the event of any questions or concerns regarding the content and/or policies of such External Sites.
12.Third Party Content.
We are a distributor (and not a publisher) of content supplied by third parties. Accordingly, we have no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or any other users of this site, are those of the respective author(s) or distributor(s) and not of us. The content available through this site may represent the opinions and judgments of the respective information provider, or other user not under contract with us. We neither endorse, nor are responsible for the accuracy of any opinion, advice or statement made on this site. Under no circumstances will we be liable for any loss or damage caused by your reliance on information obtained through this site. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this site.
13. Miscellaneous Information.
(i) In the event that this Terms of Use conflicts with any law under which any provision may be held invalid by a court with jurisdiction over the parties, such provision will be interpreted to reflect the original intentions of the parties in accordance with applicable law, and the remainder of this Terms of Use will remain valid and intact; (ii) The failure of either party to assert any right under this Terms of Use shall not be considered a waiver of any that party's right and that right will remain in full force and effect; (iii) You agree that without regard to any statute or contrary law that any claim or cause arising out of this web site or its services must be filed within one (1) year after such claim or cause arose or the claim shall be forever barred; (iv) We may assign our rights and obligations under this Terms of Use and we shall be relieved of any further obligation.
