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Terms & Conditions

By accessing this web site, you acknowledge and agree to be bound by the following terms and conditions, including any terms and conditions that may be modified from time to time without notice by FES and posted in or on this site. If you do not agree to these terms and conditions, then do not use this site. Authorization of Use All right, title and interest in and to this web site is owned by FES. The entire contents located at this site are copyrighted material of FES. The site is protected by United States copyright law and international treaty provisions. FES hereby authorizes any person to access this site for informational purposes only. The information and materials from this site may be copied in their entirety for the individual reader’s personal, noncommercial use, provided that they do not modify or alter the materials in any way, nor delete or change the FES copyright notice as it appears in these materials. The information and materials may not be otherwise copied, distributed, downloaded, modified, reproduced, reused or otherwise used accept as provided herein without FES’s prior written consent. FES reserves complete title and full intellectual property rights for information and materials downloaded from this site. The user agrees to comply with all applicable laws in using this site and/or the data, information and material contained herein. FES reserves the right to terminate access to this site at any time without notice. Copyrights and Trademarks The data, information and material included in this web site is copyrighted ©1998 by the Foundation for Educational Services, Inc. All rights are reserved under the copyright laws of the United States of America. The Foundation for Educational Services, Inc. name and logo are registered service marks owned by FES. In addition, the following are service marks of FES: Loan Inquiry System and ELITE. The following are registered service marks of member affiliate entities: NSLP Operations Alert and NSLP Newsbriefs.  All other products and service marks contained in this site are the trademarks/service marks of their respective owners. No Warranties The user of this web site assumes all responsibilities and risk for the use of this site and the Internet generally. FES, its affiliated companies, and all data suppliers disclaim all warranties, representations, or endorsements, express or implied, with regard to the data, information, and material included in, or accessible from, this site or the Internet, including, without limitation, all implied warranties of merchantability, fitness for a particular purpose, or noninfringement. FES and its affiliated companies have the right to discontinue, change, or update any data, information, or material included in this site without prior notice, and they do not assume any legal liability responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this site. No advice or information given by FES or its affiliated companies or their respective agents and/or employees shall create any warranty. Neither FES nor its affiliated companies warrant that the data, information, or material included in this site or on the Internet will be uninterruptable or error free, or that any data, information, software, or other material accessible from this site is free of viruses or other harmful components. THIS SITE, INCLUDING ALL INFORMATION MADE AVAILABLE IN OR ACCESSED THROUGH THIS SITE, ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. IN NO EVENT SHALL FES OR ITS AFFILIATED COMPANIES BE LIABLE FOR ANY COMPENSATORY, SPECIAL, DIRECT, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EXEMPLARY DAMAGES, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, INFORMATION OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE DATA, INFORMATION, OR MATERIAL INCLUDED IN THIS SITE OR ON THE INTERNET GENERALLY, OR ANY OTHER BASIS. Disclaimer of Endorsement The Internet sites that are available through certain links included in this web site, and the data, information and material found at such Internet sites, are not under the control of FES or its affiliated companies. Therefore, the reference in this site to any products, services, processes or other information of any third party by a trade name, trademark, service mark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by FES or its affiliated companies. The product and service information are the sole responsibility of each individual vendor. Disclaimer of Use of Forms FES and its affiliated companies cannot represent nor endorse the accuracy or reliability of any of the information, material or functions which are displayed, downloaded, uploaded or distributed through the site. Any calculations contained on this site merely provide the user with estimates that may be different from the actual, applicable amounts. The reasons for this variation include, but are not limited to: (i) loan servicers may use different repayment calculations; (ii) loan servicers may make other calculation assumptions; or (iii) loan servicers may use different interest rates and processing methods. The actual repayment amounts are established by the user and his or her lender. The use of this site to submit any forms which may be provided via this site does not automatically qualify the user for financial aid. The user must contact the financial aid office at his or her school or FES and its affiliated companies to obtain a student loan and/or grant application to apply for student aid. When indicated, the user may print and return a completed form to FES or one of its affiliated companies, depending on the type of student aid involved. FES and its affiliated companies reserve the right to invalidate requests which are submitted on altered forms. Any requests and/or applications which are submitted must first be reviewed and approved by FES and/or its affiliated companies before becoming effective. Disclaimer as to Confidentiality Transmissions to and from this web site are not confidential or encrypted and the user’s communications may be read or intercepted by others. Restrictive Rights Except as otherwise provided for herein, the data, information, and material included in this web site is provided to the user with restricted rights. Use, duplication, or disclosure by the United States government is subject to the restrictions that are set forth in subparagraph © of the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and (2) off the Commercial Computer Software – Restricted Rights at 48 C.F.R. §52.227-19, as applicable.