By accessing and using the educate4less.com web site (the "site") or downloading and using our applications and reports (the "application"), you are agreeing to be legally bound by these terms of use.

By using the Site or Application, you represent that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing the Site). We may modify these Terms of Use at any time. Modifications will be posted in these Terms of Use, and your use of the Site or Application after such changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. You should read these Terms of Use each time you access, and prior to using, the Site or use, prior to using, the Application.

Use of Site
Content on the Site may be displayed and printed solely for your personal, non-commercial use. You may not reproduce, copy, sell, resell or otherwise exploit this Site, or any portion of this Site, without the express prior written consent of Education Funding Solutions, Inc. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution)

Indemnity
You agree to defend, indemnify and hold harmless Education Funding Solutions, Inc., its subsidiaries, affiliates, officers, directors, employees, agents and licensees from any claims, losses, damages, expenses, demands, and costs (including without limitation, reasonable attorneys fees), arising out of or relating to your use of the Site or the Application.  You further agree to defend, indemnify and hold harmless the college that directed you to the site, its subsidiaries, affiliates, officers, directors and employees. 

Disclaimer of Warranties
You expressly acknowledge and agree that:

(a)    Your use of our web site or our application is at your own risk. Our web site and application are provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
(b)    We make no warranty that (i) our web site or application will be uninterrupted, timely, secure, or error-free, (ii) the results obtained from our site or application will be accurate or reliable, or (iii) the quality of any products, services, information, or other material purchased or obtained by you through our site will meet your expectations.
(c)    Any material downloaded from or otherwise obtained through the site is at your own risk. You will be solely responsible for any damage to your computer system or loss of data resulting from such download or use.
(d)    No advice or information, whether oral or written, obtained by you from or through our web site or application shall create any warranty not expressly stated in these terms of use. Education Funding Solutions, Inc. and its content providers are not giving financial, legal or other professional advice as related to the use of our web site or application.

Limitation on liability
Under no circumstances, including negligence, will Education Funding Solutions, Inc., its subsidiaries, affiliates, officers, directors, licensees or content providers be liable for any direct, indirect, incidental, special, punitive or consequential damages that result from your use of or inability to use the site or the application, including but not limited to reliance on information obtained on the site or application, mistakes, omissions, interruptions, deletion of files or electronic mail, loss of or damage to data, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized access to education funding solutions' records, programs or services. You hereby acknowledge that this provision will apply whether or not Education Funding Solutions, Inc. is given notice of the possibility of such damages and that this provision will apply to all content, merchandise or services available from Education Funding Solutions, Inc. or its subsidiaries and affiliates.

Exclusions and limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

Intellectual property
The content displayed on the site and in the application, including without limitation text, graphics, logos, images, artwork, audio clips, digital downloads, data compilations, trademarks, service marks and software, is the exclusive property of Education Funding Solutions, Inc. or its content suppliers and is protected by copyright, intellectual property and/or trademark laws.

Links
The site may contain links to other web sites or resources. Education Funding Solutions, Inc. is not responsible for the content or operation of such other web sites or resources, and shall have no liability in connection with them.

Miscellaneous legal provisions
By accessing the site or using the application, you agree that the laws of the State of New Jersey, without regard to principles or conflict of laws, will govern these terms of use and any dispute of any sort that might arise between you and Education Funding Solutions, Inc. or its affiliates. This agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.
Terms of Use
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