These Terms of Use are between You ("You" or "Your") and Southwest Student Services Corporation, and its affiliates ("Southwest Student Services Corporation"), and consist of the most recent version of the terms and conditions of the Terms of Use, and any other applicable policies and guidelines (collectively, the "Terms") governing the use of this Internet web site (the "Site"). Southwest Student Services Corporation maintains this Site in an attempt to provide You with comprehensive information on planning and paying for college. In addition, the Site can be used to convey information about Southwest Student Services Corporation products and services and to execute online transactions. Southwest Student Services Corporation requires that all the visitors to our Site(s) on the Internet adhere to the following rules and regulations. By accessing the Site, You indicate Your acknowledgment and acceptance of these Terms. Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE. Any person or entity acting on Your behalf shall also be bound by these Terms and You agree to be responsible for such person's or entity's actions.

Southwest Student Services Corporation reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to You. Southwest Student Services Corporation likewise may change the terms and conditions of the Terms from time to time with or without notice to You. You agree to review the Terms periodically to ensure that You are aware of any modifications. Your continued access or use of the Site after the modifications have become effective shall be deemed Your conclusive acceptance of the modified Terms.

THE CONTENTS OF THE SITE, INCLUDING ITS "LOOK AND FEEL" (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to Southwest Student Services Corporation or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Southwest Student Services Corporation. Your right to use the Site is personal to You. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site, except as expressly permitted by Southwest Student Services Corporation.

You agree that You will not use any robot, spider, scraper, or any other automatic or computer-generated device, or manual process to monitor or copy our Web pages or the content contained herein without our prior express written permission. You agree that You will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.

The terms of Southwest Student Services Corporation’s privacy policy are set forth in the Site at www.sssc.com ("Privacy Policy"), and are incorporated fully herein. The Privacy Policy is subject to change, and You are responsible for checking any such changes. You agree that we have the right to monitor the Site electronically, from time to time, and to disclose any information necessary to satisfy any law, regulation, or other government request, to operate the Site properly, or to protect ourselves.

You agree to abide by all applicable local, state, national, and international laws and regulations in Your use of the Site. Our Site is available only to individuals who are permitted to use it under applicable law. If You do not qualify, please do not use our Site. You agree to be solely responsible for Your actions and the contents of Your transmissions through the Site. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent Your identity or affiliation with a person or entity.

While using the Site, You may not: (a) post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation, any transmission constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or international law, including without limitation the United States export control laws and regulations and federal and state antitrust laws; (b) post or transmit any information or software that contains a virus, Trojan Horse, worm, or other harmful component; (c) post, publish, transmit, reproduce, distribute, or in any way exploit any information, product or other material obtained through the Site for commercial purposes (other than as expressly permitted by Southwest Student Services Corporation or the provider of such information, product or other material); or (d) upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Site which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or holder.

You agree that Southwest Student Services Corporation may terminate Your password, account, or use of the Site for any reason at the sole discretion of Southwest Student Services Corporation. All notices You give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, Southwest Student Services Corporation may post notices or links to notices through the Site to inform You of changes to the Terms, the Site, or other matters of importance.

You agree that all access and use of the Site and its contents is at Your own risk. By using the Site, You acknowledge that we specifically disclaim any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with Your access to or use of the Site, (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect Your computer equipment. Calculators and tools on the Site provide You with ESTIMATES that may be different than actual amounts.

On this Site or other hyperlinked web sites, You will find content, functions, information, data, text, services, tools, and/or materials (collectively, "Content"), including that provided by third parties that are not the property of Southwest Student Services Corporation. While we strive to keep the Content current and accurate, we expressly do not warrant or guarantee the accuracy, integrity or quality of the Content, or that the Content is error-free, or that Your access will be uninterrupted, or that material accessible from this Site is free of viruses.

On this Site You will find numerous links that will transfer You to the site of an organization that can provide You with value-added information and/or functionality. By linking to these sites, Southwest Student Services Corporation does not represent or imply that there is any business relationship between the two entities, or that such entities are affiliated with, or agents or representatives of, Southwest Student Services Corporation. Southwest Student Services Corporation makes no representations or warranties as to, and is not responsible for, the Content and performance of these sites or for Your transactions with them. Furthermore, Southwest Student Services Corporation strives to keep these links as current and accurate as possible, but we expressly do not warrant or guarantee that they point to the intended third party site. Links to and from this site do not constitute a Southwest Student Services Corporation endorsement.

Use of this Site and the submission of any forms completed by You through this Site do not qualify You for financial aid. Your eligibility for financial aid will be determined by Your individual financial situation, and the opinion of external agencies (e.g., schools, lenders, guarantee agencies, the Department of Education). By submitting an application for a scholarship, Southwest Student Services Corporation does not guarantee that You will receive a scholarship. Eligibility for a scholarship will be determined by the entity sponsoring the scholarship or another designated entity.

When applying for a student loan on the Site, You agree to provide current, complete, and accurate information about Yourself. If any information You provide is untrue, inaccurate, not current or incomplete, Southwest Student Services Corporation has the right to terminate Your loan application and/or decline to provide any and all future use of the Site. When You apply for a student loan, Southwest Student Services Corporation may access and process all information included on the application. Southwest Student Services Corporation is permitted to disclose the information You provide to financial institutions, educational institutions and other authorized third parties. Southwest Student Services Corporation respects Your privacy. Please see our Privacy Policy, which is incorporated by reference into these Terms, for the details of our commitment.

If You are not a registered user, You may receive an ID and password upon completing the registration process. You are responsible for maintaining the confidentiality of Your login name and password and for any and all activities that occur under Your password or account. You agree to immediately notify Southwest Student Services Corporation of any unauthorized use of Your account or any other breach of security known to You.

YOU EXPRESSLY AGREE THAT USE OF THE SITE AND ANY MATERIALS, SERVICES OR INFORMATION PROVIDED IS AT YOUR SOLE RISK. THE SITE AND ANY SUCH MATERIALS, SERVICES OR INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. SOUTHWEST STUDENT SERVICES CORPORATION EXPRESSLY DISCLAIMS 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. SOUTHWEST STUDENT SERVICES CORPORATION MAKES NO WARRANTY THAT THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT YOUR ACCESS TO THE SITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES SOUTHWEST STUDENT SERVICES CORPORATION MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, OR AS TO THE ACCURACY OR RELIABILITY OF THE CONTENT OR ANY INFORMATION OBTAINED THROUGH THE SITE OR THAT DEFECTS IN ANY OF THE SOFTWARE USED IN THE SITE OR SERVICES WILL BE CORRECTED. SOUTHWEST STUDENT SERVICES CORPORATION DISCLAIMS ANY WARRANTY THAT THE SITE (OR ANY INFORMATION, SERVICES OR SOFTWARE CONTAINED THEREIN) IS FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. SOUTHWEST STUDENT SERVICES CORPORATION MAKES NO WARRANTY REGARDING ANY SERVICES OBTAINED THROUGH THE SITE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SITE. SOUTHWEST STUDENT SERVICES CORPORATION ASSUMES NO RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY DATA OR OTHER INFORMATION PROVIDED BY YOU ON THE SITE.

NOTWITHSTANDING THE FOREGOING, BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LIABILITY TO THE FULL EXTENT DESCRIBED ABOVE, SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF SOUTHWEST STUDENT SERVICES CORPORATION, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $100. IN NO EVENT SHALL SOUTHWEST STUDENT SERVICES CORPORATION, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES GREATER THAN THE AMOUNT REFERRED TO ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, ARISING OUT OF OR RELATING TO USE OF THE SITE ARE HEREBY EXCLUDED EVEN IF SOUTHWEST STUDENT SERVICES CORPORATION, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

You agree to indemnify, defend, and hold harmless Southwest Student Services Corporation, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the Site by You or any other person accessing the Site using Your user name and password.

The provisions of these Terms apply for the benefit of Southwest Student Services Corporation and its officers, directors, employees, and agents. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against You on its own behalf.

You represent and warrant that You possess the legal right and ability to enter into these Terms and to use the Site in accordance with these Terms.

This disclosure shall be governed in all respects by the substantive laws of the State of Arizona, without regard to its provisions relating to conflict of laws. You and Southwest Student Services Corporation agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within Maricopa County, Arizona. The failure of Southwest Student Services Corporation to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute, regulation, or law to the contrary, any claim or cause of action arising out of or related to use of the site or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Direct all questions or comments to the appropriate person found in the "Contact us" area of this Site.