Last Updated: June 17, 2025

These Terms of Use ("Terms") outline the conditions under which you may access and use this website and any associated services, features, or content (collectively, the "Services"). The Services are provided by StudentLoanParentsGuide.com ("Company," "we," "us," or "our") and include all subdomains, affiliated websites, email newsletters, and other applications under our operation.

Legal Acknowledgment

PLEASE READ THESE TERMS BEFORE USING THE SERVICES, AS THESE TERMS AFFECT YOUR LEGAL RIGHTS AND INCLUDE A MANDATORY ARBITRATION CLAUSE AND A CLASS ACTION WAIVER. BY USING THE SERVICES, YOU AGREE TO AND ACCEPT THESE TERMS, WHICH MAY BE MODIFIED BY US FROM TIME TO TIME AT OUR SOLE DISCRETION. IF YOU DO NOT AGREE WITH THESE TERMS, INCLUDING THE DISPUTE RESOLUTION SECTION, YOUR SOLE REMEDY IS TO DISCONTINUE YOUR USE OF THE SERVICES. BY CONTINUING TO USE THE SERVICES AFTER ANY MODIFICATIONS TO THESE TERMS, YOU AGREE TO AND ACCEPT THESE TERMS AS MODIFIED. 

Your acceptance of these Terms also constitutes your consent to the processing activities described in our Privacy Notice. For information on how we collect, use, and share any personal information, please see our Privacy Notice.

Modifications to Terms

We reserve the right to modify, update, or remove any part of these Terms at our sole discretion. Changes become effective upon posting. Your continued use of the Services constitutes your acceptance of those changes. You are responsible for reading these Terms before each use of the Services.

Services Changes and Termination

We may modify, suspend, or discontinue all or any portion of the Services at any time without prior notice or liability, including, without limitation, for reasons related to a breach of these Terms or applicable laws.

Intellectual Property Rights

Content Ownership

All content available through the Services, including text, images, videos, software, graphics, data, and the overall design (collectively, "Content"), is owned exclusively by us and is protected under intellectual property laws. You may not claim ownership or rights to the Content.

Trademarks

Trademarks, logos, and service marks displayed on the Services (collectively, “Marks”) are either owned by us or used with permission. Nothing contained in the Services will be construed as granting, by implication, estoppel or otherwise, any license or right to use any Marks displayed on the Services without our or the respective owner’s written permission, as applicable. Any unauthorized use of Marks is strictly prohibited.

User Submissions

Unless specifically requested, we do not solicit confidential or proprietary materials. Any content, suggestions, or ideas submitted to us ("Submitted Materials") are considered non-confidential. By submitting materials, you confirm that you own or have rights to them and grant us a non-exclusive, royalty-free, perpetual, and transferable license to use, reproduce, distribute, and modify such materials in any format to the extent permitted by applicable law.

Linking to The Services

You may link to the homepage or subpages of the Services in a lawful and non-deceptive manner that does not misrepresent any affiliation with us. Unauthorized linking or framing of the Services, including of the Content, without our prior written permission is prohibited. We reserve the right to revoke linking permissions at any time, at our sole discretion.

Limited License Grant

The Services are for your personal, non-commercial use. You may download or copy Content for personal use only, provided copyright and proprietary notices remain intact. You are not permitted to modify, distribute, publicly display, or commercially exploit the Content without our express written consent.

Service Availability and Access

We may alter, restrict, or terminate access to all or any portion of the Services at any time without notice. We are not liable for any unavailability of, or interrupted access to, the Services.

Geographic Limitations

The Services are operated from the United States and are intended for users within the United States and its territories. We do not guarantee compliance with laws outside of these jurisdictions unless required by applicable law.

Information Accuracy and Reliance

The information provided on or through the Services is for general informational purposes only. We do not warrant its accuracy or completeness and are not liable for any reliance on such information. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SERVICES. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL, HEALTH, OR LIFESTYLE INFORMATION, OPINION, OR OTHER CONTENT. THE INFORMATION PROVIDED ON OR THROUGH THE SERVICES IS NOT INTENDED AS FINANCIAL ADVICE.

Communications Consent

By using the Services, you consent to receive electronic communications from us. You agree that any notices or other communications that we send to you electronically satisfy any legal requirements for electronic communications.

Third-Party Content and Links

The Services may contain third-party advertisements, links, or embedded content. We do not endorse or assume responsibility for third-party content and disclaim liability for any linked materials.

Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware without regard to any conflict of laws principles.

Jurisdiction

Any legal action, suit, or proceeding arising out of or related to the Services or these Terms shall be brought exclusively in the State of Delaware.

Arbitration

At our sole discretion, we may submit or require you to submit any disputes arising out of or related to the Services or these Terms to final and binding arbitration under the rules of the American Arbitration Association applying the laws of the State of Delaware.

Waiver of Class Actions

YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER PARTY ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING, WITHOUT LIMITATION, A FEDERAL OR STATE CLASS ACTION LAWSUIT. However, nothing in this paragraph limits your right or the Company’s right to bring a lawsuit against each other as individual plaintiffs.

DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, THE SERVICES, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, FEATURES, DATA, FUNCTIONS, AND MATERIALS PROVIDED ON OR THROUGH THE SERVICES, ARE PROVIDED “AS IS,” “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, PLAYABILITY, DISPLAYABILITY, ACCURACY, PRECISION, CORRECTNESS, THOROUGHNESS, COMPLETENESS, USEFULNESS, OF CONTENT OR INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SERVICES OR THE CONTENT, FUNCTIONS, OR MATERIALS PROVIDED ON OR THROUGH THE SERVICES WILL BE TIMELY, SECURE, UNINTERRUPTED, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SERVICES OR ANY SERVICES PROVIDED WILL MEET ANY USER’S REQUIREMENTS OR EXPECTATIONS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR ON OR THROUGH THE SERVICES CREATES ANY WARRANTY NOT EXPRESSLY MADE HEREIN. WE AND OUR AFFILIATES ALSO ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR MALICIOUS CODE THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE SERVICES OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO CONTENT, OR AUDIO CONTENT FROM OR THROUGH THE SERVICES. IF YOU ARE DISSATISFIED WITH THE SERVICES, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SERVICES.

WE TRY TO ENSURE THAT THE INFORMATION POSTED ON THE SERVICES IS CORRECT AND UP-TO-DATE. WE RESERVE THE RIGHT TO CHANGE OR MAKE CORRECTIONS TO ANY OF THE INFORMATION PROVIDED ON THE SERVICES AT ANY TIME AND WITHOUT ANY PRIOR WARNING OR NOTICE. WE NEITHER ENDORSE NOR ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION OR STATEMENT ON THE SERVICES, NOR FOR ANY OFFENSIVE, DEFAMATORY, OBSCENE, INDECENT, UNLAWFUL, OR INFRINGING POSTING MADE THEREON BY ANYONE (INCLUDING, WITHOUT LIMITATION, OTHER USERS OF THE SERVICES) OTHER THAN OUR AUTHORIZED EMPLOYEES WHILE ACTING IN THEIR OFFICIAL CAPACITIES. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS, AND USEFULNESS OF ANY INFORMATION, OPINION, AND OTHER CONTENT AVAILABLE ON OR THROUGH THE SERVICES. YOU SHOULD NOT RELY ON THE CONTENT AS A SUBSTITUTE FOR, NOR DOES IT REPLACE, THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE, OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL, HEALTH, LEGAL, TAX, LIFESTYLE INFORMATION, OPINION, ADVICE OR OTHER.

PRIOR TO THE EXECUTION OF A PURCHASE OR SALE OF ANY PRODUCT OR SERVICE, YOU  SHOULD CONSULT WITH A PROFESSIONAL TO VERIFY PRICING AND OTHER INFORMATION, INCLUDING RISKS AND OBLIGATIONS. YOU AGREE THAT WE WILL HAVE NO LIABILITY FOR FINANCIAL OR INVESTMENT DECISIONS BASED UPON THE CONTENT PROVIDED ON OR THROUGH THE SERVICES OR THE RESULTS OBTAINED THEREFROM. NOTHING CONTAINED IN THE SERVICES SHALL BE CONSTRUED AS FINANCIAL OR INVESTMENT ADVICE. WE ARE NOT A REGISTERED BROKER-DEALER OR INVESTMENT ADVISOR AND DO NOT OFFER INVESTMENT OR FINANCIAL ADVICE OR RECOMMEND ONE PRODUCT OR SERVICE OVER ANOTHER. YOU HEREBY ACKNOWLEDGE THAT THE USE OF THE SERVICES IS AT YOUR SOLE RISK.

WITHOUT LIMITATION OF THE ABOVE PROVISIONS IN THIS SECTION, WE AND OUR AFFILIATES, SUPPLIERS, AND LICENSORS MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING ANY PRODUCTS OR SERVICES ORDERED OR PROVIDED VIA THE SERVICES, AND HEREBY DISCLAIM, AND YOU HEREBY WAIVE, ANY AND ALL WARRANTIES AND REPRESENTATIONS MADE IN PRODUCT OR SERVICES LITERATURE, FREQUENTLY ASKED QUESTIONS DOCUMENTS AND OTHERWISE ON THE SERVICES OR IN CORRESPONDENCE WITH US OR OUR AGENTS. ANY PRODUCTS AND SERVICES ORDERED OR PROVIDED VIA THE SERVICES ARE PROVIDED “AS IS,” EXCEPT TO THE EXTENT, IF AT ALL, OTHERWISE SET FORTH IN A LICENSE OR SALE AGREEMENT SEPARATELY ENTERED INTO IN WRITING BETWEEN YOU AND US OR OUR LICENSOR OR SUPPLIER.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, IN NO EVENT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL WE, OUR AFFILIATES, OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR CONTENT PROVIDERS OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO, DIRECTLY OR INDIRECTLY, THE SERVICES, THE USE OF, OR THE INABILITY TO USE, THE SERVICES OR THE CONTENT, FEATURES, MATERIALS, OR FUNCTIONS RELATED THERETO, YOUR PROVISION OF INFORMATION VIA THE SERVICES, LOST BUSINESS OR LOST SALES, OR LOST GOODWILL, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES (COLLECTIVELY, THE “EXCLUDED DAMAGES”). . IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED, OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE SERVICES. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION OF ANY KIND (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR ACCESS OR USE OF THE SERVICES EXCEED THE AMOUNT, IF ANY, PAID BY YOU TO US FOR YOUR USE OF THE SERVICES OR $1,000, WHICHEVER IS GREATER. SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO CERTAIN USERS IN JURISDICTIONS THAT DO NOT ALLOW SUCH LIMITATIONS OR EXCLUSIONS. IF ANY COURT OR FORUM OF COMPETENT JURISDICTION HOLDS ANY PORTION OF THIS SECTION TO BE INVALID OR UNENFORCEABLE, THEN THE PROTECTED ENTITIES’S AGGREGATE LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification

You agree to indemnify, defend, and hold the Company and its affiliates, and their respective officers, directors, agents, and employees harmless from and against any and all suits, claims, actions, demands, and damages arising out of or related to the Services or your breach of these Terms.

Entire Agreement and Severability

These Terms constitute the entire agreement between you and us regarding its subject matter. If any provision of these Terms is deemed invalid or unenforceable, the remainder of these Terms will remain in full force and effect.

Survival

In the event of termination of these Terms, for any reason or no reason, the following terms of these Terms will survive: the Dispute Resolution section, the LIMITATION OF LIABILITY section, the Indemnification section, the Intellectual Property Rights section, this Survival section, and all other provisions which by their nature are intended to survive.

General

The headings used in these Terms are for convenience only and do not affect the interpretation of these Terms. If we fail to enforce or exercise any provision of these Terms, that failure does not constitute a waiver of that provision and does not prevent us from later enforcing that provision. If we waive your breach of any provision of these Terms, that waiver will not be treated as a waiver of a later breach of that provision.

Contact Information

For inquiries or concerns regarding these Terms or the Services, please contact us at:

StudentLoanParentsGuide.com
4412 California Ave SW #16615

Seattle, WA 98116
Email: [email protected]