Terms And Conditions

Website terms of use and disclaimers

Welcome to our Web site. By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not use this site. The term “Alpha Quotient LLC,” “AQ,” “us,” “we,” “our” or the “Company” refers to Alpha Quotient LLC and the other limited liability companies, partnerships, corporations and other undertakings that are authorized to carry the name “Alpha Quotient” or one or more of those undertaking as the context requires. The term “you” refers to the user or viewer of our Web site.

Company maintains this Site in an attempt to provide you with comprehensive information on planning and paying for school. In addition, the Site can be used to convey information about Company products and services and to execute online transactions. Company requires that all the visitors to our Site(s) on the Internet (the “Site”) adhere to the following rules and regulations. By accessing the Site, you indicate your acknowledgment and acceptance of these Terms of Service (“Terms”). Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

Company 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. Company 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), SOURCE CODE AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to Company 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 Company. 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.

You may not use, copy, display, distribute, modify, or reproduce any of the trademarks found on the Site except as authorized in these Terms. You may not use any of the AQ trademarks as a link to the Site except pursuant to a written trademark license agreement.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the content contained herein without our prior expressed 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.

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. Except for sections of the Site that expressly permit the input of hypothetical data, you agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity.

You agree that Company may terminate your password, account, or use of the Site in Company's sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via e-mail or conventional mail. In addition, Company 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, you will find content, functions, information, and tools, including that provided by third parties that are not the property of Company. While we strive to keep both Company and the third-party-provided information current and accurate, we cannot guarantee and expressly do not warrant that the content, functions, information and tools are 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 which 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, Company does not represent or imply that there is any business relationship between the two entities. Company is not responsible for the content and performance of these sites or for your transactions with them. Furthermore, Company strives to keep these links as current and accurate as possible, but we cannot guarantee and we expressly do not warrant that they point to the intended third-party site. Links to and from this site do not constitute a Company endorsement. Use of this Site, registration with AQ and/or the submission of any data or forms completed by you through this Site do not qualify you for Capital Partnership (defined as any type of financial aid, financial support, or any provision of capital by others affiliated with AQ) nor should registration with AQ or use of this Site be considered a guarantee of Capital Partnership or any other services. Your eligibility for financial aid or Capital Partnership will be determined by your individual information and the opinion of investors, business partners, or any other affiliates of AQ.

When applying for a financial aid 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, AQ has the right to terminate your financial aid application and/or decline to provide any and all future use of the Site. When you apply for a financial aid, AQ may access and process all information included on the application. AQ is permitted to disclose the information you provide to financial institutions, educational institutions and other authorized third parties. AQ 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 a ID and password upon completing the registration process. You are responsible for maintaining the confidentiality of your log-in name and password and for any and all activities that occur under your password or account. You agree to immediately notify Company of any unauthorized use of your account or any other breach of security known to you.

YOU EXPRESSLY AGREE THAT USE OF THE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND – WHETHER EXPRESS, IMPLIED OR STATUTORY – INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. COMPANY MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES COMPANY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE TIMELINESS, SEQUENCE, COMPLETENESS, CONTENT, ACCURACY OR RELIABILITY OF ANY INFORMATION, SERVICE, OR MERCHANDISE OBTAINED THROUGH THE SERVICE OR THE SITE OR THAT DEFECTS IN THE SOFTWARE USED IN THE SERVICE WILL BE CORRECTED. COMPANY DISCLAIMS ANY WARRANTY THAT THE SITE (OR ANY INFORMATION OR SOFTWARE CONTAINED THEREIN) IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. COMPANY MAKES NO WARRANTY REGARDING ANY SERVICES OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. COMPANY ASSUMES NO RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY DATA OR OTHER INFORMATION PROVIDED BY YOU ON THE SERVICE.

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT COMPANY IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COMPANY WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

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 AGGREGATE LIABILITY OF COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $500. IN NO EVENT SHALL COMPANY, 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 COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

You agree to indemnify, defend, and hold harmless Company, 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 Company 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. If you believe in good faith that materials available on a Company site infringe your copyright, you (or your agent) may send Company a notice requesting us to remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Company a counter-notice. Learn more at the U.S. Copyright Office site.

This disclosure shall be governed in all respects by the substantive laws of the State of Delaware, without regard to its provisions relating to conflict of laws. You and Company agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within New Castle County, Delaware. The failure of Company 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.

Facebook Disclaimer

Use of or sharing of data or information on Facebook.com, Instagram.com or other subsidiary or affiliate of Facebook.com (herein collectively "Facebook") and/or any application(s) within the ALPHA QUOTIENT LLC ("AQ") site (the "Site") is intended for the discussion, presentation and/or sharing of AQ data, products and/or services, all of which may become publically available through Facebook or the Site. All users of this Site must comply with both Facebook's Terms of Use and ALPHA QUOTIENT LLC's Terms and Conditions for use of either this Site or Facebook. If you have concerns about anything posted on this Site, please contact us at legal@alphaquotient.com.

Twitter Disclaimer

Use of or sharing of data or information on Twitter.com ("Twitter") and/or any application(s) within the ALPHA QUOTIENT LLC ("AQ") site (the "Site") is intended for the discussion, presentation and/or sharing of AQ data, products and/or services, all of which may become publically available through Twitter or the Site. All users of this Site must comply with both Twitter's Terms of Use and ALPHA QUOTIENT LLC's Terms and Conditions for use of either this Site or Twitter. If you have concerns about anything posted on this Site, please contact us at legal@alphaquotient.com.

Google+ Disclaimer

Use of or sharing of data or information on Google.com, googleplus.com, gmail.com or any other subsidiary or affiliate of Google.com (herein collectively "Google") and/or any application(s) within the ALPHA QUOTIENT LLC ("AQ") site (the "Site") is intended for the discussion, presentation and/or sharing of AQ data, products and/or services, all of which may become publically available through Google or the Site. All users of this Site must comply with both Google's Terms of Use and ALPHA QUOTIENT LLC's Terms and Conditions for use of either this Site or Google. If you have concerns about anything posted on this Site, please contact us at legal@alphaquotient.com.

LinkedIn Disclaimer

Use of or sharing of data or information on LinkedIn.com ("LinkedIn") and/or any application(s) within the ALPHA QUOTIENT LLC ("AQ") site (the "Site") is intended for the discussion, presentation and/or sharing of AQ data, products and/or services, all of which may become publically available through LinkedIn or the Site. All users of this Site must comply with both LinkedIn's Terms of Use and ALPHA QUOTIENT LLC's Terms and Conditions for use of either this Site or LinkedIn. If you have concerns about anything posted on this Site, please contact us at legal@alphaquotient.com.