Student Finance 101 Help-site: Terms and Conditions of Use
Your Acceptance of these Terms and Conditions
Please carefully read these terms and conditions. Since they govern your use of the Student Finance 101 website (formerly known as Debt 101), your use of this website is deemed to constitute your acceptance of and agreement to be bound by these terms and conditions. You may not change or supplement these terms and conditions in any way. You may print or download a copy of the terms and conditions of the Student Finance 101 website for your reference. If you do not agree with all of these terms and conditions, you may not use this website.
Content on the Student Finance 101 site such as, but not limited to, content found in the forums, library, theatre, news and financial advice sections, does not necessarily reflect the views of Student Finance 101, or its sponsors, affiliates or advertisers, or of the non-profit Student Finance 101 Society. Student Finance 101 assembles information and opinion on related subjects, such as higher-education financing, education policy and debt management. For that reason, Student Finance 101 and the parties named above may in fact disagree with opinion and information found on this site or on sites, including third-party sites, that it is linked to.
Your use of this website and its services are at your sole risk. The services are provided on an "As Is" and "As Available" basis. Student Finance 101 and those associated with Student Finance 101 cannot guarantee that its service(s) will meet your requirements or your expectations, nor that it will be uninterrupted, timely, error-free or secure.
Student Finance 101 and those associated with Student Finance 101 will not be held responsible for failure to provide or store information, for removal or refusal to use information or for correcting any errors in software. No warranty is made that this website, its content and host server(s) are free of viruses or other harmful elements. This website and its services are not guaranteed to continue until any set point in time and can be withdrawn, altered or interrupted without notice.
Advice and information obtained by you on, from or through Student Finance 101 and its services shall not create any warranty. Information created by third parties that you access on this site or through links will remain the responsibility of said third parties.
Any material you download or otherwise obtain from or through the Student Finance 101 website and its services is at your own risk and discretion. Student Finance 101 and those associated with Student Finance 101 will not be held responsible for any damage to your computer system or any loss of data that follows or results from the download of said material.
Suggestions or advice on this website are for illustrative or informational purposes only. While Student Finance 101 strives to serve its users, student-related financial issues are complex and constantly-changing, and neither this website nor its contents are guaranteed to be complete, accurate or current. Calculators on or off this site are for educational demonstration purposes only. We encourage you to seek personalized advice from qualified professionals before you make financial, personal or any other types of decisions based on information found in this website or in websites or other information sources linked to, or referred to, by this website.
Third Party Sites:
This website contains images of and links to third party websites ("linked sites"). The main reason for including these linked sites is to serve those using the Student Finance 101 website.
Information created by third parties that you access on this site or through links will remain the responsibility of said third parties, along with any possible losses, inconvenience or damages arising from their use.
Linked or third-party sites are not under the control of Student Finance 101 or those associated with it, who bear no responsibility for the contents, offers, services, products, changes, availability or any other aspect of any linked sites, including but not limited to, contracts, representations and warranties.
Student Finance 101 is committed to protecting the privacy of users of this website, including but not limited to, members who visit and participate in Student Loan Forums.
Use Restrictions and Conduct:
In using this website and any services it provides, such as the Forums, you agree not to use Student Finance 101 or its content for any illegal purpose or in any other way inconsistent with these Terms and Conditions.
You further agree to use Student Finance 101 and any services it provides solely for your own non-commercial use and not for resale, transfer or disposition to any other person or entity. You further agree to respect the copyright and attribution requirements stated below, under Copyright and Intellectual Property.
You also specifically agree to the following:
- you will not collect or harvest information about other users
- you will not in any way use this website as a marketing vehicle by providing any content or service in a commercial manner, or in any manner involving spam, junk mail, chain letters, pyramid schemes, or any other unauthorized advertising or commerce;
- you will not provide or promote or use this web site to provide or promote any service or content without consent from Student Finance 101;
- you will not misrepresent yourself or misrepresent your associations or seek to misrepresent or conceal the origin of any content you provide;
- you will not provide content or conduct yourself in a way that could be seen as illegal, libellous, threatening, harmful, abusive, discriminatory, harassing, defamatory, vulgar, obscene, offensive or interfere with or disrupting operation of this web site or any service provided;
- you will not provide content infected with a virus or other destructive, harmful or subversive programming even when it does not give rise to civil or criminal liability and even when it does not violate any laws;
- you will not provide content that could give rise to Student Finance 101 or its founders, sponsors or associates being held civilly or criminally liable;
- you will not provide content that could be seen to violate any local, national or international law: including, but not limited to, laws involving copyrights, patents, trademarks or trade secrets.
Student Finance 101 reserves the right for any reason to remove without notice any content of this website received from you. This includes, without limitation, postings in the forum. Student Finance 101 reserves the right to deny any person access to this website or any portion thereof without notice. Student Finance 101 reserves the right to edit any postings for clarity and length.
Copyright and Intellectual Property:
Student Finance 101 is committed to naming creators and respecting copyrights. You are urged to advise us if you think a credit, source or copyright may have been overlooked on our website.
In using the Student Finance 101 website, you acknowledge that all original materials on this Student Finance 101 website ("online materials"), including but without limitation, articles, blog posts and other writings, calculators, graphics, illustrations, artwork logos, photographs, names, trademarks, images, service marks, audio clips, video clips, software, and other elements making up the services on this site are protected by copyrights and other intellectual property rights owned and controlled either by Student Finance 101 or, in the case of the named creators, by those individuals or organizations who have submitted, licensed or otherwise provided material for use or shared use on the Student Finance 101 website.
You may download available contents solely for your own personal use. Online materials may not otherwise be copied, reproduced, posted, re-published or re-purposed, downloaded, distributed, transmitted in any way or otherwise used for any purpose without prior written permission from their respective owners. To assist you, we invite you to reach these owners by contacting this website. You may not distort, add, delete or otherwise modify any content on this site. Any unauthorized attempt to modify any online material, to defeat security features, or to utilize this site for other than its intended purposes is prohibited.
It is understood that Student Finance 101 is an information site and service, and that references to other names and trademarks may be made by Student Finance 101, site visitors or members when commenting on subjects covered by that this website and its services.
Content submitted to Student Finance 101:
In providing content to this website, you must ensure that you have legal, moral and all other rights to provide it. You also agree that
By providing content to this web site, including posted comments:
- you agree to its use by Student Finance 101 without limitations
- you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant Student Finance 101 use without limitations
- you acknowledge and agree that Student Finance 101 has the right to remove, refuse to publish, or block access to any content you provide at any time and for any reason, with or without notice.
Changes to these Terms and Conditions:
Student Finance 101 may add to or alter terms and conditions for this site from time to time, for any reason and without prior notice or liability, by posting revised terms and conditions on the website. Each time you use the website, you are encouraged to review any changes since the last version.
By using the website after these terms and conditions have been revised, you accept and agree to be bound by revised terms and conditions. If you do not agree with all of the revised terms and conditions you may not use this website, nor may you change or supplement these terms and conditions in any way.
You agree to indemnify, defend and hold Student Finance 101 harmless from any and all claims and expenses arising from, or related to, any breach by you of any terms of this Agreement.
I HAVE READ AND UNDERSTAND THESE TERMS AND CONDITIONS AND AGREE TO BE BOUND BY THEM.