TERMS OF USE

1. Description of Site; Changes to Terms of Use. "Site" encompasses this website, including all of its content and policies, and any modifications, updates, enhancements, revisions, new features and/or the addition of any new web properties. The Company reserves the right to change the Site, including these Terms of Use, at any time at its sole discretion. All Terms of Use changes will be posted on the Site and are effective immediately. Consequently, we recommend that you visit and review these Terms of Use frequently. The last date on which these Terms of Use has been updated in noted below.

2. Services Offered.

  2.1. Description. The Company provides, among other things described on the Site, student loan consolidation services. Some of these services are provided by the Company, while others are provided by unrelated third parties ("Third Parties"). Your loan consolidation and/or any other product or service purchased through the site shall be subject to a separate agreement or agreements between you and the Company and/or between you and a Third Party (each, a "Separate Agreement"). Notwithstanding anything to the contrary contained herein, if you are a party to a Separate Agreement with the Company or any Third Party, in the event of a conflict between any of the terms and/or provisions of these Terms of Use and any Separate Agreement, the terms and provisions of the Separate Agreement shall control. Furthermore, the Company is not a party to any Separate Agreement that you may enter into with a Third Party.

  2.2. Not an Application. The self-reported information that you submit is a request by you for further information about services and/or products that may be provided to you. You will have to complete an application or provide other information before any loan consolidation offer can be made to you, and the Company makes no representation that any offer will be extended to you. Furthermore, the Company does not guarantee that the terms or rates offered and/or made available to you will be the best or lowest terms or rates available in the market. The Company is not a lender and does not make loans. All loan consolidations are made by a Third Party in the course of its normal business operations.

  2.3. Information Forwarding. In the course of using the Site, you may elect to enter certain self-reported information, including personal information. You agree to provide the Company with correct information, and to promptly provide the Company with updates to such information as may be necessary or appropriate. You authorize the Company to forward your self-reported information to one or more Third Parties with which the Company has a contractual relationship and to a call center that may call you to verify your interest in a loan consolidation. You also authorize the Company to use your self-reported information in the manner described in the Company's Privacy Policy. You understand and agree that any Third Party that receives your self-reported information may keep and use that information, whether or not you consolidate your loans with that Third Party.

  2.4. Manner of Contacting You. By providing self-reported information on the Site, you agree that the Company or a Third Party may contact you by telephone. You further agree that, prior to being contacted by the Company or a Third Party, you may be contacted by telephone by a call center that will verify your self-reported information and will confirm that you are interested in a loan consolidation. By providing your self-reported information on the Site: YOU ARE PROVIDING YOUR EXPRESS CONSENT TO RECEIVE TELEPHONE CALLS FROM THE COMPANY, THIRD PARTIES AND CALL CENTERS AND THIRD PARTIES FOR THE PURPOSES DESCRIBED HEREIN. DO NOT SUBMIT YOUR SELF-REPORTED INFORMATION IF YOU DO NOT CONSENT TO BEING CALLED.

  2.5. Site Not an Offer. Nothing in the Site constitutes an offer, promise or otherwise, either to make a specific service or product available to you or that any Third Party will make any service or product available to you for any purpose or on any specific terms. Please be aware that certain services or products may only be provided to residents of states where the Company and/or Third Parties are licensed and/or authorized to make such services or product available. By acquiring your information through the Site, the Company and Third Parties are not attempting to sell services and/or products in states where the Company and/or the Third Parties are not licensed and/or authorized to make such services or product available.

3. Site Ownership. The Site, including all text, logos or graphic images appearing therein, is protected by copyright, trademark, patent, trade secret and other laws. The Site is the property of the Company and/or its affiliates and/or third party licensors and all right, title and interest in the Site shall remain with such persons. You may not download and/or save a copy of any of the Site screens for any purpose; provided, however, you may print a copy of the information on the Site for your personal records. Nothing in these Terms of Use transfers any rights to you or any third party except as expressly set forth herein. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States and other countries, as well as applicable state laws, and you may be subject to penalties and/or damages.

4. Hyperlinks.

  4.1. Not Endorsements. A link from the Site to a non-Company website does not mean that the Company endorses or accepts any responsibility for the content, functioning, policies or use of such website, and you enter any such website at your own risk. It is your responsibility to take precautions to ensure that whatever websites or other online materials that you select for use are free of viruses and other items of a destructive nature. The Company expressly disclaims any liability related to such sites.

  4.2. Unauthorized Links. The Company prohibits unauthorized hypertext links to the Site or the framing of any content available through the Site. The Company reserves the right to disable any unauthorized links or frames.

5. Site Use Restrictions. The Site is for your personal and non-commercial use only. You will not (i) post on or transmit to the Site any defamatory, libelous, obscene, pornographic, profane, threatening, or unlawful materials or any materials that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, whether under statute, common law or equitable principles, or otherwise violate any law; (ii) modify, perform, mirror, publish, create derivative works from, transfer, sell, lease, rent, sublicense, loan, share, give away or donate any information obtained from the Site or portions thereof; or (iii) use the Site in any manner that violates any applicable federal, state, local, and/or international laws, regulations, orders, or other restrictions.

6. Privacy. Please see the Company's Privacy Policy. By using the Site, you consent to the Company's use and disclosure of information about you in accordance with the Privacy Policy without any further notice or any liability to you or any other person or entity.

7. Use Monitoring. The Company is not obligated to monitor your or any other user's use of the Site; such responsibility rests solely with you. The Company reserves the right to monitor your use of the Site and to restrict or terminate your use of the Site or modify or remove any information found on the Site for any reason or no reason in the Company's sole judgment.

8. Termination; Violation of Terms of Use. The Company reserves the right to terminate at any time, at its sole discretion, the Site, your use of the Site, and/or your use of the Company's services, including without limitation for violation of these Terms of Use. Additionally, the Company reserves the right to seek all remedies available for violation of these Terms of Use, including the right to block access from a particular Internet address to the Site.

9. Password. In using the Site, you may be assigned a password. You are responsible for maintaining the security of your password. The Company is not liable for any loss that you may suffer through the use of your password by others. You shall notify the Company immediately of any unauthorized use of your account or of any other breach of security known to you with respect to the Site.

10. Feedback is the Property of the Company. To the extent permitted by applicable law, any comments or materials (collectively "Feedback") sent to the Company including but not limited to questions, submissions, suggestions, ideas, postings, comments or the like shall become the property of the Company upon receipt. The Company shall have no obligation of any kind with respect to such Feedback and shall be free to modify, copy, perform, publish, transmit, reproduce, use, exhibit, disclose, display, transform, copyright, create derivative works, distribute the Feedback to others and otherwise exploit the Feedback without limitation. Further, the Company shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products and/or services incorporating any Feedback.

11. Notices and Procedure for Making Claims of Copyright Infringement. The Company will investigate notices of copyright infringement and take appropriate actions under the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(2) ("DMCA"). Written notification of claimed copyright infringement should be submitted to the Company using the following contact information: Ben Levy, 50 Scott Adam Road, Suite 212, Cockeysville, MD, 888-788-4335, info@governmentloanservices.com.

12. Representation and Warranty Disclaimer. THE SITE AND ALL INFORMATION ON THE SITE, INCLUDING, WITHOUT LIMITATION, TEXT, IMAGES, AND LINKS, AND THE INFORMATION ON ANY WEBSITES, WHETHER AFFILIATED OR UNAFFILIATED WITH THE COMPANY, WHICH YOU MAY VISIT THROUGH THE SITE, IS PROVIDED "AS IS" AS A CONVENIENCE TO ALL USERS, WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND TO YOU OR ANY OTHER PERSON OR ENTITY, INCLUDING, BUT NOT LIMITED TO, ANY EXPRESS OR IMPLIED WARRANTIES (I) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (II) OF INFORMATIONAL CONTENT OR ACCURACY; (III) OF NON-INFRINGEMENT; (IV) OF QUIET ENJOYMENT; (V) OF TITLE; (VI) THAT THE SITE WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION; (VII) THAT ANY DEFECTS OR ERRORS IN THE SITE WILL BE CORRECTED; (VIII) THAT THE SITE IS COMPATIBLE WITH ANY PARTICULAR HARDWARE OR SOFTWARE PLATFORM; OR (IX) THAT ALL PRODUCTS AND/OR SERVICES OFFERED BY THE COMPANY WILL BE AVAILABLE IN ALL MARKETS. EFFORTS BY THE COMPANY TO MODIFY THE SITE SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS. IN THE EVENT YOUR JURISDICTION DOES NOT ALLOW OR LIMITS THE EXCLUSION OF WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

13. Limitation of Liability. THE COMPANY, ITS STOCKHOLDERS, MEMBERS, PARTNERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, ASSIGNS, CONTENT AND SERVICE PROVIDERS, CALL CENTERS AND THIRD PARTIES WITH WHICH THE COMPANY HAS A CONTRACTUAL RELATIONSHIP SHALL NOT BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY LOSS OF PROFITS, LOSS OF USE, INTERRUPTION OF BUSINESS, OR ANY INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, WHETHER UNDER THESE TERMS OF USE; AS A RESULT OF THE USE OF THE SITE AND/OR THE SERVICES AND/OR PRODUCTS THAT MAY BE PROVIDED TO YOU BY THE COMPANY OR A THIRD PARTY IN CONNECTION WITH THE SITE, UNDER STATUTE, REGULATION, COMMON LAW PRECEDENT OR DOCTRINE, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY SUCH LOSSES ARISING OUT OF THE UNAUTHORIZED ACCESS TO YOUR PERSONAL INFORMATION, EVEN IF THE COMPANY AND/OR ITS STOCKHOLDERS, MEMBERS, PARTNERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, ASSIGNS, CONTENT AND SERVICE PROVIDERS, CALL CENTERS AND THIRD PARTIES WITH WHICH THE COMPANY HAS A CONTRACTUAL RELATIONSHIP WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR WERE NEGLIGENT.

   FURTHERMORE, IN NO EVENT SHALL THE COMPANY AND ITS STOCKHOLDERS, MEMBERS, PARTNERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, ASSIGNS, CONTENT AND SERVICE PROVIDERS, CALL CENTERS AND THIRD PARTIES WITH WHICH THE COMPANY HAS A CONTRACTUAL RELATIONSHIP BE LIABLE TO YOU OR ANY PERSON OR ENTITY FOR ANY ACTIONS, DAMAGES, CLAIMS, LIABILITIES, COSTS, EXPENSES OR LOSSES IN ANY WAY ARISING OUT OF OR RELATED TO THE SITE, YOUR USE OF THE SITE AND/OR THE SERVICES AND/OR PRODUCTS THAT MAY BE PROVIDED TO YOU BY THE COMPANY IN CONNECTION WITH THE SITE FOR AN AGGREGATE AMOUNT IN EXCESS OF THE VALUE OF THE SERVICES AND/OR PRODUCTS SERVICES PROVIDED TO YOU.

    THE PROVISIONS OF THIS SECTION SHALL APPLY REGARDLESS OF THE FORM OF ACTION, DAMAGE, CLAIM, LIABILITY, COST, EXPENSE OR LOSS, WHETHER IN CONTRACT, STATUTE, TORT OR OTHERWISE. IN JURISDICTIONS THAT PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY, LIABILITY HEREUNDER IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

14. Indemnification. To the extent permitted by applicable law, you will indemnify, defend and hold harmless the Company and its stockholders, members, partners, directors, managers, officers, employees, agents, affiliates, successors, assigns, content and service providers, call centers and Third Parties with which the Company has a contractual relationship from and against (and will pay upon demand each such person or entity the amount of) any and all claims, losses, liabilities, suits, damages and disputes, including attorneys fees, made, suffered or incurred by any such person or entity that arises from, relates to or is caused by any breach by you of any covenant, representation or warranty contained in these Terms of Use and/or your use of the Site. In connection with any suit, action or proceeding that may give rise to an obligation of you to indemnify a person or entity as set forth above, the Company shall have the exclusive right, at its option, to defend, compromise and/or settle the suit, action or proceeding, and you shall be bound by the determination of any suit, action or proceeding so defended or any compromise or settlement so effected. The remedies provided in this section are not exclusive of and do not limit any other remedies that may be available to the Company or any other person or entity to be indemnified pursuant to this section.

15. Dispute Resolution (Arbitration Clause).

  15.1. Arbitration. You and the Company each agree to submit to binding arbitration in the event of a dispute, controversy or claim (each, a "Claim") arising out of or in connection with these Terms of Use, the Privacy Policy, your or the Company's rights and obligations under these Terms of Use or the Privacy Policy, the Site, the use of the Site, and/or the information, services and/or products that may be provided by or through or in connection with the Site. The arbitration will be held in Maryland before one arbitrator on an individual basis and not as a class action. You expressly waive any right you may have to arbitrate a dispute as a class action. You also expressly waive your right to a jury trial. You may select one of the following arbitration organizations and its applicable rules: the National Arbitration Forum, Box 50191, Minneapolis, MN 55405-0191 (www.arb-forum.com), or JAMS, Two Embarcadero Center Suite 1100 San Francisco, CA 94111 (www.jamsadr.com). If you fail to select an arbitration organization within 30 days after notice from the Company, the Company may select the organization. You may obtain a copy of the rules of each organization by contacting the organization. In the event that any Claim cannot be submitted to binding arbitration pursuant to the rules of any such organization, such event shall not affect the enforceability of this clause so long as the Claim may be submitted to binding arbitration with the other organization. You and the Company shall agree on one arbitrator to conduct the arbitration and the arbitrator shall be selected pursuant to the applicable rules. Each party shall be responsible for its own attorney, expert and other fees, unless such fees are awarded by the arbitrator to the prevailing party. Notwithstanding anything to the contrary in this Section, to the extent you have in any manner violated or threatened to violate the Company's intellectual property rights, the Company may seek injunctive or other appropriate relief in any state or federal court in the State of Maryland, and you consent to exclusive jurisdiction and venue in such courts.

  15.2. Arbitration Final. The arbitrator's award is final and binding on all parties. The Federal Arbitration Act (9 U.S.C. §1 et seq.), and not any state law concerning arbitration, governs all arbitration under this clause. Any court having jurisdiction may enter judgment on the arbitrator's award. If any part of this clause, other than waivers of class action rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. Notwithstanding anything to the contrary contained herein, if the waiver of class action rights contained herein is not enforceable as to any person or persons, the provisions of Section 17 of these Terms of Use shall apply to such person or persons only, and all other persons shall continue to be governed by the Arbitration Clause.

  15.3. No Class Action. These Terms of Use provide that all Claims will be resolved by binding arbitration and not in court or by jury trial. BECAUSE THE ARBITRATION WILL BE ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST COMPANY INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. WITHOUT LIMITATION, THIS MEANS THAT YOU WILL NOT HAVE THE RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION AS SET FORTH IN ANY STATE STATUTE.

16. Waiver. If you are a California resident, to the extent permitted by California law, you waive California Civil Code Section 1542, which states: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor" as well as any other unknown claims under California Civil Code Section 1542 or any statute or common law principle of similar effect.

17. Jurisdiction and Venue. TO THE EXTENT A CLAIM IS NOT GOVERNED BY THE ARBITRATION CLAUSE, EXCLUSIVE JURISDICTION FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OF USE, THE PRIVACY POLICY, YOUR OR THE COMPANY'S RIGHTS AND OBLIGATIONS UNDER THESE TERMS OF USE OR THE PRIVACY POLICY, THE SITE, THE USE OF THE SITE, AND/OR THE INFORMATION, SERVICES AND/OR PRODUCTS THAT MAY BE PROVIDED BY OR THROUGH OR IN CONNECTION WITH THE SITE SHALL BE THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND - NORTHERN DIVISION, LOCATED IN BALTIMORE CITY, MARYLAND OR, IF FEDERAL JURISDICTION IS NOT AVAILABLE, IN THE APPROPRIATE COURT OF THE STATE OF MARYLAND THAT IS LOCATED IN BALTIMORE COUNTY, MARYLAND; PROVIDED, HOWEVER, THAT IN THE EVENT THE COMPANY IS SUED OR JOINED BY A THIRD PARTY IN ANY OTHER COURT OR IN ANY OTHER FORUM IN RESPECT OF ANY MATTER WHICH MAY GIVE RISE TO A CLAIM BY THE COMPANY HEREUNDER, YOU CONSENT TO THE JURISDICTION OF SUCH COURT OR FORUM OVER ANY CLAIM WHICH MAY BE ASSERTED BY THE COMPANY THEREIN. YOU IRREVOCABLY CONSENT TO THE EXERCISE OF PERSONAL JURISDICTION BY SUCH COURTS IN ANY SUCH ACTION. IN ADDITION, AND NOTWITHSTANDING THE FOREGOING, YOU IRREVOCABLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY OBJECTION THAT YOU MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT AND ANY CLAIM THAT ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM. FINAL JUDGMENT IN ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT SHALL BE CONCLUSIVE AND BINDING UPON YOU AND MAY BE ENFORCED IN ANY COURT IN WHICH YOU ARE SUBJECT TO JURISDICTION BY A SUIT UPON SUCH JUDGMENT.

18. Waiver of Trial By Jury. TO THE EXTENT A CLAIM IS NOT GOVERNED BY THE ARBITRATION CLAUSE, THE COMPANY AND YOU EACH HEREBY WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY COURT AND IN ANY SUIT, ACTION OR PROCEEDING, WHETHER IN TORT, CONTRACT OR OTHERWISE, IN WHICH ANY SUCH PARTY IS A PARTY, AS TO ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OF USE, THE PRIVACY POLICY, YOUR OR THE COMPANY'S RIGHTS AND OBLIGATIONS UNDER THESE TERMS OF USE OR THE PRIVACY POLICY, THE SITE, THE USE OF THE SITE, AND/OR THE SERVICES AND/OR PRODUCTS THAT MAY BE PROVIDED BY OR THROUGH OR IN CONNECTION WITH THE SITE.

19. Viewing Outside the United States. The Company makes no claims that the Site may be lawfully viewed, accessed or used outside the United States. Access or use of the Site may not be legal by certain persons or in certain countries. If you access or use the Site from outside of the United States, you do so at your own risk and you are responsible for compliance with the laws of your jurisdiction.

20. Miscellaneous.

  20.1. Severability. Except as otherwise expressly provided by these Terms of Use, if any provision of these Terms of Use shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If any provision of these Terms of Use is invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed and enforced as so limited.

  20.2. Waiver of Contractual Right. The failure of the Company to enforce any provision of these Terms of Use shall not be construed as a waiver or limitation of the Company's right to subsequently enforce and compel strict compliance with that provision or any other provision of these Terms of Use.

  20.3. Parties in Interest. These Terms of Use shall be binding upon, inure to the benefit of, and be enforceable by the parties to these Terms of Use and their respective successors, heirs, legatees, personal representatives and permitted assigns. No assignment, delegation or other conveyance of these Terms of Use or of any rights or obligations hereunder may be made by you (by operation of law or otherwise) without the prior written consent of the Company. The Company may assign its rights and obligations under these Terms of Use to any other party.

  20.4. Headings. The headings and other captions in these Terms of Use are for convenience and reference only and shall not be used in interpreting, construing or enforcing any of the provisions of these Terms of Use. Common nouns and pronouns will be deemed to refer to the masculine, feminine, neuter, singular, and plural, as the context may require.

  20.5. Entire Agreement. Subject to the terms of any Separate Agreement, these Terms of Use constitutes the entire agreement between you and the Company and they supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and the Company with respect to the Site, the use of the Site and/or the services and/or products that may be provided by or through or in connection with the Site.

  20.6. Printed Terms of Use. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in any judicial or administrative proceeding based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

  20.7. Governing Law. These terms of use shall be governed by and construed in accordance with the laws of the State of Maryland, excluding any law or conflicts of law principle that would apply the law of another jurisdiction. NOTWITHSTANDING THE FOREGOING, THE PARTIES EXPRESSLY OPT OUT OF THE MARYLAND UNIFORM COMPUTER TRANSACTIONS ACT ("MUCITA") AS PERMITTED BY SECTION 22-104 OF MUCITA.

21. Company Contact Information. If you have any questions or comments regarding these Terms of Use or the Site, please email us at info@governmentloanservices.com.

Last Updated on May 1, 2007

PLEASE RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.