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Terms Of Use


This website (www.connextloans.com) and its affiliated pages (collectively, the “Site”) is made available by ReliaMax Lending Services, LLC. Please read this Terms of Use Agreement (the “Agreement” or “Terms of Use”) carefully and its entirety. This Agreement contains a mandatory arbitration of disputes provision that requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions. In this Agreement, the words “you”, “your” or “User” means any individual accessing or using the Site (as defined below) directly or indirectly, and any such individual’s agents or representatives, and any cosigner designated on any loan application submitted through the Site or our Services (as defined below). By accessing or using the Site or our Services (as defined below) through any direct or indirect means, you agree to be bound and abide by the Terms of Use and to the collection and use of your information as set forth our Privacy Policy. If you do not agree to the Terms of Use you must not access or use this Site or our Services. Capitalized terms that are not defined in these Terms of Use shall have the meaning given to them in our Privacy Policy.

1. ACCEPTANCE OF THE TERMS OF USE

These Terms of Use are entered into by and between you and ReliaMax Lending Services, LLC (“Connext”, “we”, “our” or “us”). These Terms of Use govern your access to and use of the Site and our Services (as defined below), including any content, functionality, and services offered on or through the Site, whether as a guest or a registered user, and our mobile App (the “App”) from time to time, including without limitation the ability to submit an application for a private student loan through the Site or our App (collectively, the “Services”). The Services are offered and available to users who are 13 years of age or older, reside in the United States or any of its territories or possessions and are enrolled in an eligible post-secondary educational institution (each, a “Participating Institution”, and collectively, the “Participating Institutions”). By using the Services, you represent and warrant that you are of legal age to form a binding contract with us and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use our Services. We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them or at such later time specifically designated on the Site, and apply to all access to and use of the Services thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction, below, will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Site. It is our policy to post any changes we make to the Terms of Use on this page, with notice that the Terms of Use has been updated on the Site’s homepage. However, you are expected to check this page periodically to ensure you are aware of any changes to the Terms of Use, as they are binding on you. The date the Terms of Use was last revised is identified at the top of this page. Your continued use of the Services following the posting of revised Terms of Use means that you accept and agree to the changes.

2. ABOUT THE SERVICES

We are not a lender or a broker as used in these Terms of Use, the term “Lender” means the lender to which your application for a private student loan is submitted for consideration and approval. We process on behalf of Lenders the private student loan application information provided by you through our Services. We use the information you provide to assist Lenders in determining whether to offer a private student loan that may be of interest to you. We collect information from you to register you as a User of our Services and create a User account with us, and determine whether you meet a Lender’s eligibility criteria, as established by each respective Lender. After we have received the private student loan application information provided by you, we process your information according to the criteria established by each respective Lender to determine whether you are eligible to apply for loans offered by the Lender. If you are eligible to apply for loans offered by one or more of the Lenders, then we may display private student loan choices related to those Lenders through the Services that may be of interest to you. If you do not meet the eligibility criteria established by one or more of the Lenders, then we may not display any private student loan choices to you for those Lenders. The terms of choices that are displayed, if any, are offered directly to you by the Lenders. By using the Services, you acknowledge and agree that we may transfer the information you provide us to the Lenders you designate for purposes of submitting a private student loan application with the Lenders for you to submit. This is the point that you start an application process for a private student loan from the Lender that you have selected from the choices that were displayed to you. Any application you submit for processing is submitted to the applicable Lender. We do not offer you the loan. Relationship with the Lenders. You must rely on your own judgment to decide which private student loan product and Lender suits your needs. You are under no obligation to use our Services to find a private student loan. We do not guarantee that submitting your information to us through the Services will result in a match with a Lender. You may not receive an offer from a Lender you designate or any other Lender. We do not have any control over the criteria that Lenders use in accepting or rejecting your application. We do not guarantee that the choices that are displayed to you from the Lenders are the best terms or the lowest rates available.

No Endorsement. We do not recommend or endorse the private student loans, products or offerings of any Lender. The Lender is solely responsible for its services and relationship with you. We are not liable for any damages or costs related to your relationship with any of the Lenders.

Not Your Agent. Unless explicitly stated otherwise, we are not your agent, representative or otherwise acting on your behalf. Collection of Information and Verification. You may be required to furnish personal identifying information. Our policies regarding the collection and use of your information are set forth in our Privacy Policy. We also use your information to connect you with potential loan offers from Lenders. You authorize us and Lenders to obtain a personal credit profile (credit report) about you from a credit bureau for credit pre-qualification, identity verification, and to determine your eligibility for a private student loan. You further agree that we may verify your identity and the information you provide us with third parties. A Lender may require more information from you to apply for a loan. The terms and conditions of any loan available from the Lender may change depending on the information available to the Lender or your complete credit profile. We, or a Lender, may require further information from you to comply with our legal obligations, including, without limitation, anti-terrorism laws and regulations. You agree that any information you provide us will be governed by the Terms of Use, including, without limitation, the Prohibit Uses provision, below, and our Privacy Policy. Sharing of Information. You agree and expressly authorize us to share the information you provide to us with Lenders, in such manner as we deem appropriate, in our sole discretion, so that they may, to the extent you qualify, provide you with offers for potential private student loans. You acknowledge and agree that Lenders have their own privacy practices and that you should review and understand their privacy policies and website terms of use when you apply for a loan with these Lenders, and those terms of use and privacy policies may be different from our Terms of Use and Privacy Policy. You agree that both the Lender and we may communicate with you regarding your use of the Services, and the information you have provided through the Services. You further agree and acknowledge that we may share the information you provide to us with our Providers (as defined below) so that they may market their products or services to you, if you have consented to these disclosures. We contractually require our Marketing Partners to keep nonpublic personal information confidential and use it only for the purposes for which we disclose it to them.

3. SERVICES CONTENT

The products, services, information, materials, graphics, arrangement, design, text, sound and other items contained on the Site and App (collectively, the “Content”) and these Terms of Use are subject to change any time, without notice, at our sole discretion. You agree that we may revise or discontinue any products or services that may be made available through the Services at any time without notice. Any dated information is published as of that date. We have no obligation or responsibility to update or amend any such information. We reserve the right to terminate any Content or the Services at any time, without prior notice. We reserve the right to modify any of the Content or the Services at any time, without notice. You agree to review the Content on Site and App periodically to ensure that you are aware of any modifications. If you continue to use our Services after modifications are effective you agree to the Content as modified. The Content is provided for informational purposes only. We believe the Content is accurate, but it does not warrant its completeness, timeliness or accuracy. You understand that any examples, calculators, or other tools we may make available on the Site or App are to provide you with estimates only. These estimates may be different from actual amounts. We do not warrant that any tools, examples or calculators are accurate or error-free.

4. USE OF THE SERVICES

The Services, and the products and services described on or through the Services, are intended for use for individuals who are at least 13 years old. If you are under the age of 13 you should not be visiting or using the Services. You may view the Content contained on the Services and print pages from the Services only for informational, non-commercial purposes. Any unauthorized or illegal use of the Services or the Content is strictly prohibited. You agree not to attempt to log on to or access the Services from any country under sanctions by the Office of Foreign Asset Control (“OFAC”), which countries are under sanctions may be found on the United States Department of the Treasury website. Any attempt to log on to or access the Services from such a country may result in your access being restricted or terminated. Your use of the Services may be monitored, tracked and recorded. By using or accessing the Services, you expressly consent to such monitoring, tracking and recording. Your use and access of the Services is personal to you. You agree that you will not duplicate, reproduce, sell, resell, use or exploit the Content or the Services for any commercial purpose. You agree that you will not use any robot, spider, automatic, or manual device to monitor or copy the Services or any Content. You will not interfere or use any device, software, or process to interfere (or attempt to interfere) with the proper working of the Services, or use the Services in any manner that could disable, overburden, damage or impair the Services or any other party’s use of the Services. All attempts to gain unauthorized access to the Services or related intellectual property, or introduce viruses, Trojan horses, worms, logic bombs, malware, ransomware or any other malicious code are strictly prohibited. You agree that when using the Services you will not misrepresent your identity or impersonate any other person. You represent and warrant to us that you have the legal right and ability to enter into these Terms of Use and to use the Services in accordance with these Terms of Use. You understand and agree that your use of the Services is at your own discretion and at your own risk. By using or accessing the Services you understand and agree that we disclaim any liability (whether based in contract, tort, negligence, strict liability, or otherwise) for any direct, indirect, incidental, consequential, compensatory, punitive or legal (whether under statute, regulation or at common law) damages that may arise out of your access or use of the Services or your reliance on the Content. This includes any liability that may be associated with any viruses, malware, ransomware or other malicious code of any type that may infect your computer equipment. If we provide you with a secure means of authenticating your access to a portion of the Services such as a user ID and password or code (the “Credentials”), you agree that you are responsible for maintaining the confidentiality of such Credentials. You agree that you will not share such Credentials. If you do, you understand that you are responsible for any acts taken by the party to whom you provided the Credentials. You agree that you will immediately notify us of any unauthorized use of your Credentials or other breach of security known to you.

5. SECURITY

We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk. Further information about our security processes can be found in our Privacy Policy.

6. USER ACCOUNTS

Your User account gives you access to the Services and functionality that we may establish, maintain or discontinue from time to time and in our sole discretion.

NO FALSE INFORMATION. You agree to provide true, accurate and complete information as prompted by the registration form and all forms you access through the Services, and to update the information you provide to maintain its truthfulness, accuracy and completeness. We make no warranties about any of your information, either to you, or third party service providers (together with Lenders, the “Providers”). You cannot register for more than one User account without our express written permission.
EXCLUSIVE USE. Your User account is for your personal use only. You may never use another User’s account, nor authorize others to use your account, nor assign or otherwise transfer your account to any other person or entity. You are solely responsible for the activity that occurs on your account.
EMAIL AND TELEPHONE CONSENT. By providing us with your email address, you consent to our using your email address to send you Services-related notices, including any notices required by law, in lieu of communication by postal mail. We may also use your email address to send you other messages, and special promotions. If you do not want to receive such email messages, you may opt out by contacting us at optout@ReliaMax.com. Opting out may prevent you from receiving email messages regarding updates, improvements, or special promotions. By submitting your information, you consent to being contacted on the telephone by text message or calling at the number(s) that you have provided, both by us and Providers irrespective of whether they appear on a ‘Do Not Call’ list.

7. ESIGN DISCLOSURE AND CONSENT TO ELECTRONIC TRANSACTION

You agree that you have signed this Agreement with an electronic signature. By attaching your electronic signature to this Agreement, to your loan application or to any information that you provide to us in connection with your use of the Services, you consent to documenting this transaction and signing this Agreement electronically. You agree to be bound by this Agreement and you warrant to us and to any Lender to which your application for a private student loan is submitted for consideration and approval to whom we forward any information you provide to us that such information is true and accurate in all material respects. You also agree that we or any Lender may deliver this Agreement, the Services, all documents related to any loan a Lender agrees to extend to you, and all disclosures, notices and other documents related in any way to the foregoing or your request for credit (collectively, the “Documents”) to you in electronic form at the electronic mail (“e-mail”) address you have provided to us in connection with the Services, or by written notice as provided below. Your consent applies to the Documents. You may obtain a paper or other non-electronic copy of the Documents at any time by submitting your request to us at customerservice@ReliaMax.com. Your request must specify in detail which Documents are being requested. Future notices, statements, invoices and other communications regarding your User account with us (collectively, the “Communications”) will be delivered to you by US Mail at the address you provide to us or electronically at the email address you provide to us. You may withdraw your consent to receive future notices, statements, etc. electronically at any time by delivering written notice to us by U.S. Mail at the address shown on the Agreement, or by sending an email to us at optout@ReliaMax.com. You agree that your withdrawal of consent will only be effective after we have had a reasonable time to implement the change. If your email address or other contact information changes, you must immediately notify us of your new email address by sending us an email at customerservice@ReliaMax.com. In order to receive, view and save any of the Documents, you will need an internet connection, a computer or similar device capable of accessing the internet, a valid e-mail account and Adobe Acrobat Reader software (you can download this free software at www.adobe.com). In order to keep copies for your records, you will need access to a printer or the ability to download and save the Documents to a computer or cloud storage service. You are solely responsible for the setup, installation, operation, and maintenance of the computer equipment you use and for providing your own access to the Internet through the internet service provider (“ISP”) of your choice. We are not responsible for any errors or failures from any malfunction of your computer, your ISP or any internet, telecommunications or similar infrastructure. We are not responsible for any computer virus or related problems that may be associated with the use of your computer or access to and retention of any Documents. When you set up your User account we will send you a confirming e-mail and ask that you send a reply e-mail to us. If we do not receive your return e-mail, we will not be able to conduct electronic delivery of Documents to you. By sending the reply e-mail to us you (a) confirm your consent to document this transaction electronically, (b) confirm that you are able to receive Documents electronically, (c) agree and consent to the use of electronic delivery of Communications from us, and (d) verify that you are able to access, read and save the Documents using your computer and software.

8. ACCESSING THE SERVICES AND USER ACCOUNT SECURITY

We reserve the right to discontinue, withdraw or amend all or any portion of the Services, and any Content provided on or by the Services, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services is unavailable at any time or for any period. We may periodically restrict access to some parts of the Services, or the Services entirely, to you or those you authorize to act on your behalf.

You are responsible for:

• Making all arrangements necessary for you to have access to the Services.
• Ensuring that all persons who access the Services through your internet connection or using your Credentials are aware of these Terms of Use and comply with them. We encourage and may require you to use “strong” passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with your User account. You agree to notify us immediately of any breach of security or unauthorized use of your User account. We will not be liable for any losses caused by any unauthorized use of or access to your User account. You agree to ensure that you exit from your User account at the end of each session. You should use particular caution when accessing your User account from a public or shared computer or wireless internet network so that others are not able to view or record your password or other personal information. We have the right to disable your Credentials or any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason.

9. MARKETING PARTNERS

We have relationships with Providers that promote the Services (“Marketing Partners”). Marketing Partners may receive a commission or fee from us for providing marketing services. Our relationships with our Marketing Partners have no impact on the offers you may receive from the Lenders and that are displayed through the Services.

10. CREDIT INQUIRIES

By using and accessing the Services, you also authorize us, Lenders and Providers to request from one or multiple consumer reporting agencies, your consumer report (e.g., credit report) including any ancillary credit scores or ratings, to verify that information you have provided to us is true or accurate, and to verify your identity. You agree that this Agreement shall constitute written authorization in accordance with the Fair Credit Reporting Act (“FCRA”) and other applicable law, for us, Lenders and Providers to request and receive information about you from third parties, including but not limited to a copy of your consumer report and credit score from consumer reporting agencies, at any time for so long as you have an active User account for the purpose of assessing your suitability for any of the private student loans offered by the Lenders and that are displayed through the Services. You also consent to the use of third party services relating to your consumer report and also consent to the use of your User account information and identity confirmation in order to facilitate your use of the Services. You waive any and all claims against us, Lenders, Providers, and our agents, and employees for the acts or omissions of these parties with regard to the use or disclosure of such information. Unless otherwise stated, you further understand that you are authorizing us to retain a copy of all such information received, including the information that you are submitting through the Services or that you provide to us from time to time, either directly or indirectly, and to use that information to match you with product and service offers from Lenders or Providers. You also authorize us to use your information to further enhance functionality of the Services and share it with Lenders and Providers.

11. INTELLECTUAL PROPERTY RIGHTS

The Services and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by us, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. These Terms of Use permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Services except for certain temporary files created automatically through your access of the Services or printing and reviewing one copy of certain pages of the Services for your personal, non-commercial use. You must not make any copies of any materials or Content made available through the Services or delete, alter or modify any proprietary rights notices used through the Services. If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Services in breach of the Terms of Use, your right to use the Services will terminate immediately and you must, at our sole discretion, return or destroy any copies of the Content or materials you have made. No right, title, or interest in or to the Services or any Content or material on or made available through the Services is transferred to you, and all rights not expressly granted are reserved by us. Any use of the Services not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. To the extent the Services enable you to link to the Content through social media or other online platforms, you may utilize those enabled features only in accordance with these Terms of Use and the terms and policies of the third party platform or services. The “Connext” and “ReliaMax” names, the terms ConnextLoans, Connext Private Student Loans Powered by ReliaMax, the Connext logo, and all related names, logos, product and service names, designs, and slogans are trademarks of ReliaMax Holding Company or its affiliates or licensors. You must not use or modify such marks without the prior written permission of ReliaMax Holding Company. All other names, logos, product and service names, designs, and slogans on this Site or App are the trademarks of their respective owners.

12. PROHIBITED USES

You may use the Services for lawful purposes only, and only in accordance with these Terms of Use. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation, including, without limitation, any laws regarding the export of data or software to and from the US or other countries.
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
• To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set forth in these Terms of Use.
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including, without limitation, any “junk mail”, “chain letter”, “spam”, or any other similar solicitation.
• To impersonate or attempt to impersonate us, our employees, Lenders, Providers, another user, or any other person or entity, including, without limitation, by using email addresses or screen names associated with any of the foregoing.
• To engage in any other conduct that is offensive to us or a third party or restricts or inhibits anyone’s use or enjoyment of the Services, or which, as determined by us, may harm us, Lenders, Providers or other users of the Services, or expose them to liability.

13. USER CONTENT AND SUBMISSIONS

We shall be free to use (for any legal purpose) any and all ideas, concepts, know-how or techniques that are contained in any information that you may submit to us through the Services. We shall not be subject to any obligations of confidentiality regarding information submitted through the Services, except as may be specifically agreed to by us or that may be required by applicable law. However, nothing in the foregoing shall be construed as limited or in any way reducing our responsibilities under the Privacy Policy. The Services may contain chat features and other interactive features that allow users to post, submit, publish, display, or transmit (collectively, “post”) to us, content or materials (collectively, “User Content”) on or through the Services. All User Content must comply with the content standards set forth in these Terms of Use and this Section (“Content Standards”). The Services may also contain links so that you can post User Content to third-party websites or apps, including without limitation social media sites or apps. Any User Content you post to such websites or apps is subject to the content standards of terms of use related to such website or app. You are solely responsible for any User Content you post to such third-party websites or apps. Any User Content you post shall be considered non-confidential and non-proprietary. By providing any User Content on or through the Services, you grant us, the Lenders, Providers, and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material. By posting content on the Services, you hereby grant us a worldwide, royalty-free nonexclusive, perpetual license to the content that you post.

You represent and warrant that:

• You own or control all rights in and to the User Content and have the right to grant the license granted above to us, the Lenders, Providers, and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
• All of your User Content do and will comply with these Terms of Use.

You understand and agree that you are responsible for any User Content you submit or contribute, and you, not us, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

User Content must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Content shall not:

• Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
• Violate the legal rights, including the rights of publicity and privacy, of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
• Be likely to deceive any person.
• Promote any illegal activity, or advocate, promote, or assist any unlawful act.
• Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
• Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
• Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter, or advertising.
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

We do not and shall not have any obligation to review User Content, and therefore, do not guarantee the accuracy, integrity or quality of User Content and we cannot assure you that harmful, inaccurate, deceptive, offensive, threatening, unlawful or otherwise objectionable User Content will not appears on the Services or on third-party websites or apps. We are not responsible or liable to any third party for the content or accuracy of any User Content posted by you or any other user of the Services.

14. MONITORING AND ENFORCEMENT; TERMINATION

We have the right, but not the obligation, to:

• Take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion, including if we believe that such User Content violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Services or the public, or could create liability for us, the Lenders or Providers.
• Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Services.
• Terminate or suspend your access to all or part of the Services for any or no reason, including without limitation, any violation of these Terms of Use.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Services. YOU WAIVE AND HOLD HARMLESS US AND OUR AFFILIATES, LICENSEES, LENDERS AND PROVIDERS (THE “INDEMNIFIED PARTIES”) FROM ANY CLAIMS, DAMAGES, LIABILITY, AND COSTS DIRECTLY OR INDIRECTLY RESULTING FROM ANY ACTION TAKEN BY ANY OF THE INDEMNIFIED PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER THE INDEMNIFIED PARTIES OR LAW ENFORCEMENT AUTHORITIES.

15. DIGITAL MILLENNIUM COPYRIGHT ACT NOTICE

We respect artist and content owner rights. It is our policy to respond to alleged infringement notices that comply with the Digital Millennium Copyright Act of 1998 (“DMCA”). If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on or through the Services, please notify us as set forth in the DMCA. For your complaint to be valid under the DMCA, you must provide the following information in writing: • An electronic or physical signature of a person authorized to act on behalf of the copyright owner;
• Identification of the copyrighted work that you claim has been infringed;
• Identification of the material that is claimed to be infringing and where it is located on the Services;
• Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and, email address;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law; and
• A statement, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner. The above information must be submitted to us as follows:

ReliaMax Lending Services, LLC
Attn: DMCA Notice
2300 East 54th Street North
Sioux Falls, South Dakota 57104
Telephone: (888) 757-6840
Email: customerservice@ReliaMax.com

Under federal law, if you knowingly misrepresent that online material is infringing, you may be subject to criminal prosecution for perjury and civil penalties, including monetary damages, court costs, and attorneys’ fees. Please note this procedure is exclusively for notifying us and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with our rights and obligations under the DMCA, including 17 U.S.C. § 512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws In accordance with the DMCA and other applicable law, we have adopted a policy of terminating, in appropriate circumstances, access to the Services of users who are deemed to be repeat infringers. We may also, at our sole discretion, limit access to the Services and/or terminate the User accounts of any Users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

16. SERVICE PROVIDERS

In providing the Services or in connection with processing a private student loan application you submit, you authorize us to share information provided by you with one or more Lenders, any Providers providing services to or on behalf of us or the Lenders, and to any third parties to the extent permitted by law and consistent with our Privacy Policy.

17. LINKS TO OTHER SITES

We may establish on the Services links and pointers to websites that are operated and maintained by third parties (each, a “Third Party Site”). These links are provided for informational purposes only. The establishment of any link to a Third Party Site is not a recommendation or endorsement by us of any products, services, information, goods, ideas or opinions that may be found on any Third Party Site. We make no warranties, either express or implied, concerning the content of any Third Party Site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose. We do not warrant that any Third Party Site is free from any claims of copyright, trademark or other infringement. We do not warrant that any Third Party Site is free from any viruses, malware, ransomware or other malicious code of any type, or other material that is malicious or technologically harmful.. You understand that Third Party Sites may have a Privacy Policy that is different from ours and that Third Party Sites may provide less security than what is provided on and by the Services. The choice to access a Third Party Site, or to purchase or otherwise use any of the products or services advertised or provided on a Third Party Site is yours, in your sole discretion. If you decide to access a Third Party Site, you do so entirely at your own risk and subject to the terms and conditions of use for such Third Party Site.

18. GEOGRAPHIC RESTRICTIONS

The owner of the Services is based in the State of South Dakota in the United States. We provide the Services for use only by persons attending a Participating Institution in the United States. We make no claims the Services or any of the Content is accessible or appropriate outside of the United States. Access to the Services may not be legal by certain persons or in certain countries. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with all applicable laws.

19. DISCLAIMER OF WARRANTIES

YOU AGREE THAT YOUR USE OF THE SERVICES SHALL BE AT YOUR SOLE RISK. THE SERVICES AND ALL CONTENT THEREON ARE PROVIDED “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS”. WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO ANY PRODUCTS OR SERVICE PROVIDED, FOUND OR ADVERTISED BY US, THE LENDERS, PROVIDERS, OR OUR ADVERTISERS. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES OR ITS CONTENT OR THE CONTENT OF ANY WEBSITES LINKED FROM OR TO THE SERVICES AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, INTERRUPTIONS OR INACCURACIES OF THE SERVICES OR CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND/OR USE OF THE SERVICES, (III) ANY BUGS, VIRUSES, TROJAN HORSES, MALWARE, RANSOMWARE, OR OTHER MALICIOUS CODE OF ANY TYPE, OR OTHER MATERIAL THAT IS MALICIOUS OR TECHNOLOGICALLY HARMFUL OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (IV) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SERVICES AND ANY CONTENT, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED SITE OR ANY SITE FEATURED IN ANY BANNER OR OTHER ADVERTISING ON THE SERVICES. WE MAY SHARE USER INFORMATION WITH OUR LENDERS, PROVIDERS AND MARKETING PARTNERS. YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER AND THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND LENDERS AND PROVIDERS FOR WHOM WE DISPLAY OFFERS FOR FINANCIAL PRODUCTS. YOU ALSO ACKNOWLEDGE THAT, THE ANALYSES AND TOOLS AVAILABLE THROUGH THE SERVICES, INCLUDING, WITHOUT LIMITATION, LOAN INFORMATION, RATES AND APPROVALS, ARE BASED ON ASSUMPTIONS AND SUBJECT TO THE LIMITATIONS DISCLOSED WITH RESPECT TO EACH SUCH ANALYSIS OR TOOL. WE EXPRESSLY DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OR THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE INACCURACY OR INCOMPLETENESS OF ANY CONSUMER REPORTS, CREDIT SCORES, ANALYSIS OF RELATED INFORMATION, SAVINGS ESTIMATES, REPAYMENT ESTIMATES, APPROVAL ODDS, OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE ON OR THROUGH THE SERVICES OR THE CONTENT; THE AVAILABILITY OR LEGALITY OF ANY OF THE OFFERS FROM THE LENDERS AND PROVIDERS; OR ANY TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS.

20. LIMITATION OF LIABILITY

IN NO EVENT SHALL WE, OUR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF THE SERVICES, USER CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND/OR USE OF THE SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, MALWARE, RANSOMWARE, OR OTHER MALICIOUS CODE OF ANY TYPE, OR OTHER MATERIAL THAT IS MALICIOUS OR TECHNOLOGICALLY HARMFUL OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN THE SERVICES OR ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY USER CONTENT, OR MATERIAL POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE ON OR THROUGH THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

21. INDEMNIFICATION

You agree to defend, indemnify and hold harmless us, our directors, officers, employees and agents from and against any and all claims, damages, losses, liabilities, costs or debt, and expenses (including reasonable attorneys’ fees) that arise or result from (i) your use of and access to the Services; (ii) your violation of these Terms of Use, including, but not limited to, any obligation, representation, or warranty made herein; (iii) your violation of any third party right, including without limitation any intellectual property right, property right, or privacy right; and (iv) your negligence, willful misconduct, or breach of any agreement with users of the Services. This defense and indemnification obligation will survive termination of these Terms of Use and your use of the Services.

22. SEVERABILITY AND WAVIER

In the event that any of the terms or provisions of this Terms of Use is held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be modified or replaced with an enforceable term or provision that comes as close to the intention of the term or provision deemed unenforceable. We do not waive any of our rights under these Terms of Use unless it is written and signed by one of our duly authorized representatives. Any waiver of any breach of any provision of these Terms of Use shall not be construed as a waiver of any continuing or succeeding breach of such provision or a modification of the provision.

23. GOVERNING LAW

You agree that: (i) the Services shall be deemed solely based in the State of South Dakota, in the United States; and (ii) the Services shall be deemed a passive one that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than South Dakota. This Agreement shall be governed by the internal substantive laws of the State of South Dakota, without respect to its conflict of laws principles. You agree to submit to the personal jurisdiction of the federal and state courts located in Sioux Falls, South Dakota.

24. ARBITRATION

For any dispute with us, you agree to first contact us at customerservice@ReliaMax.com and attempt to resolve the dispute with us informally. In the unlikely event that we have not been able to resolve a dispute it has with you after attempting to do so informally, we each agree to resolve any claim, dispute, or controversy (excluding any claims we may have for injunctive or other equitable relief) arising out of or in connection with or relating to these Terms of Use, or the breach or alleged breach thereof (collectively, “Claims”), by binding arbitration by the American Arbitration Association (“AAA”) under the Commercial Arbitration Rules and Supplementary Procedures for Consumer Related Disputes then in effect for the AAA, except as provided herein. The arbitration will be conducted in Minnehaha County, South Dakota, unless we agree otherwise. Each party will be responsible for paying any AAA filing, administrative and arbitrator fees in accordance with AAA rules. The award rendered by the arbitrator shall include costs of arbitration, reasonable attorneys’ fees and reasonable costs for expert and other witnesses, and any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of that party’s data security, Intellectual Property Rights, or other proprietary rights. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS. YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND RLS ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

25. MISCELLANEOUS

A. ENTIRE AGREEMENT. This Agreement, including the Privacy Policy which is incorporated herein by reference, comprises the entire agreement between you and us with respect to the use of the Services, and supersedes all prior agreements between the parties regarding the subject matter contained herein.
B. COPPA. The Services are intended for persons at least 13 years old. In accordance with the Federal Children's Online Privacy Protection Act (COPPA), we will never knowingly solicit nor will we knowingly accept personally identifiable information from users known to be under thirteen (13) years of age.
C. ASSIGNMENT. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by us without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.
D. NOTIFICATION PROCEDURES AND CHANGES TO THE AGREEMENT. We may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, written or hard copy notice, or through posting of such notice on the Services, as determined by us in our sole discretion. We reserve the right to determine the form and means of providing notifications to our users, provided that you may opt out of certain means of notification as set forth in these Terms of Use. We are not responsible for any automatic filtering you or your network provider may apply to email notifications we send to the email address you provide us. We may, in our sole discretion, modify or update these Terms of Use from time to time. It is our policy to post any changes we make to the Terms of Use on this page, with notice that the Terms of Use has been updated on the Site’s homepage. When we change the Terms of Use in a material manner, we will update the ‘last updated’ date at the beginning of the Terms of Use. Your continued use of the Services after any such change constitutes your acceptance of the new Terms of Use. If you do not agree to any of these terms or any future Terms of Use, do not use or access (or continue to access) the Services.
E. NO WAIVER. No waiver of any term of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
F. CONTACT. Please contact us at customerservice@ReliaMax.com with any questions regarding these Terms of Use.

THIS NOTICE IS REQUIRED BY LAW. Read more at ftc.gov. You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law. Take me to the authorized source PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.

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