Date Last Revised: September 20, 2018
By using the Website and Services you agree to be legally bound by the terms and conditions set forth in this Agreement. If you don’t accept the terms stated here, don’t use the Website or Services. This Agreement is subject to change and may be modified at any time, and any such modification will be effective immediately upon posting of the modified agreement on the Website.
Your right to use the Website and Services will terminate immediately, without any further action by IonTuition, if you breach any terms of this Agreement. IonTuition may terminate your use of the Website and Services at any time, with or without reason.
The Services may include a personal student loan information management service that allows borrowers, family members of borrowers and people considering becoming borrowers to view certain information concerning student loan programs and services and to track aggregated student loan information from specific institutions on the Website. Based on such information, the Services may also present information relating to third party products or services. The Services include:
IonLearn – financial education content
IonManage – student loan dashboard, repayment calculator, student loan monitoring with alerts and access to student loan counseling through call center
IonMatch – national college search engine and salary forecaster
IonPay – employer student loan contribution processing solution
IonRefinance – student loan refinance information and search tool
Unless otherwise noted in a superseding agreement, Services do not include IonPerks.
The Services may also include a document repository for documentation specific to your student loans. This allows you to upload student loan-related documents in specified formats to a central location for you to reference anytime you need them. Documentation such as MPN's (Master Promissory Notes), billing statements, deferment or forbearance forms can all be updated for your future reference.
THE PRECEDING DESCRIPTIONS ARE QUALIFIED IN THEIR ENTIRETY BY THE DESCRIPTION OF THE SERVICES ON THE WEBSITE AND IN THE REGISTRATION. BEFORE USING ANY SERVICE YOU SHOULD READ THESE DESCRIPTIONS CAREFULLY.
IONTUITION AND ITS SERVICE PROVIDERS DO NOT PROVIDE, AND THE SERVICES ARE NOT INTENDED TO PROVIDE, LEGAL, ACCOUNTING, TAX, BROKER, FINANCIAL PLANNING, CREDIT COUNSELING, OR STUDENT AID OR COUNSELING ADVICE OR SERVICES.
The Services are intended only to provide you with aggregated account information and data in a format and scope designed to assist your decision-making. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy that could have legal or financial consequences for you, you are strongly encouraged to obtain additional information and advice from your accountant or other financial, tax, legal, or professional advisers who are fully aware of your individual circumstances.
Upon your request, we work with third party lenders and aggregators (“Lenders”) to provide a selection of refinance opportunities applicable to your needs. We are not a lender or broker. We do not take applications, make loans, or make credit decisions in connection with your loans. We are not registered or licensed by any state or federal governmental entity for our services.
If you are eligible to apply for loans offered by one of these Lenders, based on their criteria and the information you have provided, we may display choices that may interest you. You will then have the opportunity to select one of the choices. If you do not meet the eligibility criteria for the Lenders, then we may not provide you with any choices.
You will have to complete an application with a Lender before they will offer you a loan.
We may transfer your information to Lenders at your request and with your authorization to allow the Lender to prepare your application with them for you to submit. This is the point that you start an application process for a loan from the Lender that you have selected. The application process takes place with the Lender; we do not offer you the loan.
We do not guarantee that completing a request will result in a match with a Lender. You may not receive an offer from a 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 options available to you from the Lenders are the best terms or the lowest rates available. If we do not provide you with any choices, then you will not be able to be transferred to a Lender from our Website to apply for a loan.
Lenders and other third parties may compensate us for services that we provide to them. This compensation may vary with each third party Lender, loan, or service.
Please see “Referrals to Third Parties” for additional terms governing services to third parties in general.
Please review our Disclosures page for more information about student loan refinance
If you are participating in any services through an employer-sponsored student loan contribution and/or matching plan, we are not liable for (i) funds arriving on time, or at all, including due to issues with payment processors or the payment address you provide, (ii) employer responsibilities, including funding payments and paycheck deductions or (iii) how payments are applied by lender and/or servicer.
Subscription to certain Services may entitle you to access to student loan counseling through our call center, provided the frequency and duration of calls are reasonable. We may limit or terminate your access to the call center if we determine your use is excessive.
For access to Services, you will be required to register as a User. In your registration as a User, you will be required to create a unique identification code (“User Name”) and a password (“Password”) that will be required to order services. You may only access Services using your assigned User Name and Password, and may not access the Services using the User Name or Password of any other person.
In order to register for Services, you will be required to represent either that (i) you are eighteen (18) years of age or older or (ii) if you are under eighteen (18) years of age, the parent or guardian named in your registration has consented to your use of the Services and agreed to be responsible for your use of the Services.
You may not resell, in whole or part, or otherwise commercially exploit, assign or transfer your right to use the Services. You may not make your User Name or Password available to others, nor allow use of Services by others through your User Name or Password.
You agree to accept sole responsibility and liability for maintaining the confidentiality of your User Name and Password, for restricting access to your User Name and Password and for all use, whether authorized or unauthorized, of the Services under your User Name or Password.
If you become aware of any unauthorized use of your User Name and Password, you agree to notify us immediately at the email address firstname.lastname@example.org or by calling the telephone number 1-855-456-2656.
We will, and you expressly authorize us to, use the information you provide in your registration and any order form to: (a) process your orders including, without limitation, processing payments as set forth under ‘Billing’ below and communicating with you about the status of your order and (b) communicate with you about other products or services we offer or other topics we think you might find of interest.
Subscriptions are for a pre-paid fixed 12-month subscription term. Services begins as soon as your initial payment is processed.
All Subscriptions are for a fixed one-year term or three-year term. You will not be subject to automatic renewals of your Subscription. On the anniversary date of your last subscription date, your Subscription will terminate, along with your access to our Services, unless you choose to renew your Subscription.
IonTuition will send you an email notice at your email address(es) on record approximately 45 days before the end of your Subscription with an opportunity to renew your Subscription. The notice will let you know that your current Subscription term is about to end. The notice will also provide you with the renewal date when your Subscription will need to be renewed and the renewal rate for the new Subscription. Renewal rates are subject to change, but we will always notify you beforehand. Please keep a record of when your Subscription term ends and the next renewal date. You are responsible for timely renewing your Subscription regardless of whether you receive any notice from us.
You will be billed in advance for the time periods (i.e. monthly or annually) and at the rates set forth (the “Charges”). All Charges are non-refundable.
Charges will automatically be billed to the credit card designated in your registration or any substitute credit card that you designate using the account management feature (the “Credit Card”), and you hereby authorize this automatic billing. It is your responsibility to notify us in a timely manner of any changes to the Credit Card.
If for any reason we are unable to bill Charges to the Credit Card, we will suspend your use of the Services and promptly notify you and upon receipt of such notice you will promptly pay any outstanding charges through means other than the Credit Card. In addition, as a condition to your continued use of the Services, you may be required to provide us with the information and authorization necessary to bill a different credit card for Charges going forward. Your use of the Services, and your new billing cycle, will re-commence upon our acceptance of such information and authorization.
Billing for Charges will continue until your use of the Service expires or is terminated as set forth in the applicable order form.
We do not have control over the Services, and are not a broker, agent, dealer, sales representative, middleman or other intermediary. Decisions you make facilitated through the Website are strictly on your own. The publication on the Website of any Services does not constitute or imply an endorsement or recommendation by IonTuition or an assurance of legality, quality or safety by IonTuition. Any Services are provided by the respective professional and that professional is solely responsible to you for every aspect of such Services.
ANY CONTACTS YOU MAKE WITH ANOTHER PERSON OR ENTITY, OR DECISIONS YOU MAKE BASED ON ADVICE FROM ANY SUCH PERSON OR ENTITY ARE STRICTLY ON YOUR OWN. YOU MUST DO YOUR OWN DUE DILIGENCE AND USE YOUR BEST JUDGMENT.
THE USE, POSTING, DISTRIBUTION, OR PUBLICATION ON THE WEBSITE OF ANY LISTING, CONTENT OR INFORMATION DOES NOT CONSTITUTE OR IMPLY AN ENDORSEMENT, RECOMMENDATION, ADVICE, OPINION OR COMMENT BY IONTUITION NOR AN ASSURANCE OF LEGALITY, QUALITY OR SAFETY BY IONTUITION. WE CANNOT GUARANTEE, AND ASSUME NO RESPONSIBILITY FOR VERIFYING, THE TRUTHFULNESS OR ACCURACY OF THE INFORMATION PROVIDED BY OTHERS, INCLUDING OTHER USERS OF THE WEBSITE. IONTUITION WILL NOT BE RESPONSIBLE FOR ANY OFFER, SALE, PURCHASE OR OTHER TRANSACTION MADE, CONTENT POSTED, OR OTHER COMMUNICATIONS MADE BY ANYONE POSTING INFORMATION OR OFFERING SERVICES ON THE WEBSITE.
You agree that we may contact you at any time (24x7x365) by e-mail, text or phone call. If any email address or mobile number you provide us changes, you are responsible for informing us of that change. Changes to your email address or mobile number will apply to all of your alerts.
You agree to receive online and mobile alerts that IonTuition or its service providers may provide from time to time, including automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes made online to your account on a Service. Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated, or reactivated by you. These alerts allow you to choose alert messages for your accounts. IonTuition may add new alerts from time to time, or cease to provide certain alerts at any time upon our sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.
Electronic alerts may be sent to the email address you have provided as your primary email and to any other secondary email addresses you have provided to any Institution, lender, servicer, or guaranty agency related to your loans that you view through the Service. If any of the email addresses you provide us or if your mobile number changes, you are responsible for informing us of that change. You may also have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.
Because alerts are not encrypted, we will never include the password you generated in an alert to you (but we may send you a temporary password by email). We will never require you to input your password or any other personal information at any time for any reason in connection with an alert. However, alerts may include some information about your loan accounts. Depending upon which alerts you select, information such as a loan balance or the due date may be included. Anyone with access to your email will be able to view the content of these alerts. You may disable future alerts at any time.
If, at any time, your personal information is not up-to-date and emails or other communication fail to elicit a response from you, you understand and agree that IonTuition may initiate a search through Internet and other publicly available data sources to identify your location information. "Location Information" consists of a current physical address, your email address, and home or work telephone number.
You may revoke our ability to communicate with you by e-mail to email@example.com or by telephone at 1-855-456-2656. IonTuition and service providers will have up to 10 days to comply from the date of receipt of such revocation. Notices will be provided in HTML (or, if your system does not support HTML, in plain text) in the text of the email or through a link to the appropriate page on the Website, accessible through any standard, publically available Internet browser (such as Microsoft Internet Explorer).
To the extent we permit posting by Users, the ideas, suggestions, opinions, comments and observations made by Users, and any text, data, photographs, video, music, sound, chat, messages, files or other material provided by Users (all of which are referred to as “User Content”) are not endorsed by IonTuition, and we make no guarantee regarding the reliability, accuracy or quality of any User Content that is posted on the Website. You acknowledge that you will evaluate and bear any risks related to your use of any User Content, including any reliance on the accuracy, completeness or usefulness of such User Content. All User Content posted to the website is the sole responsibility of the person who originally posted the User Content, and your sole recourse for any damage you may suffer as a result of User Content will be to such individual.
Any User Content that you post on the Website or send to us will be deemed non-confidential. By submitting User Content, you are representing that you are the creator of the material you submit or have authorization to distribute it. After posting User Content, you continue to retain your ownership rights in such User Content, and you continue to have the right to use your User Content in any way you choose. By sending User Content to us or posting it on the Website, you expressly grant IonTuition an irrevocable and unrestricted license to publicly display, use, reproduce, modify, create derivative works from, distribute and sublicense the User Content in any form.
We are not obligated to screen communications or postings in advance and are not responsible for screening or monitoring the Website or its posted content. However, you acknowledge and agree that we have the right to monitor the Website electronically from time to time in our sole discretion, and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website properly, or to protect IonTuition or its users.
If we are notified of communications or content that allegedly do not conform to this Agreement, we may investigate the allegation and determine in our sole discretion whether to remove or request the removal of the content or termination of use of the Website. We have no liability or responsibility to users for performance or nonperformance of such activities. If you view content or receive communications allegedly inconsistent with this Agreement, you may send an e-mail to firstname.lastname@example.org stating the observed behavior. Following receipt of such correspondence, decisions will be made regarding user terminations, removal of posted content, or other actions deemed appropriate by IonTuition in its sole discretion. All decisions made by IonTuition are final and do not imply or impose on IonTuition any responsibility or liability for the form, intent, or accuracy of the original, or any future, posted content by or communications between anyone.
The following rules of conduct apply to your use of the Website and to any and all User Content you post on the Website, whether in blogs, groups, private messages, emails, profiles, comments or any other portion or feature of the Website.
You may not use the Website in any manner, or post, transmit, display, publish or distribute any content that, in IonTuition’s determination: (1) violates these Terms; (2) infringes the patent, copyright, trademark, trade secret or other intellectual property rights of others; (3) violates the privacy or publicity or other personal rights of others; (4) is fraudulent, deceptive, libelous, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user or any other person or entity, including without limitation, sexually explicit or parody image or text; (5) is vulgar, profane, obscene, excessively violent, racially, ethnically or otherwise objectionable or offensive; (6) violates or encourages others to violate any applicable law, statute, ordinance or regulation; (7) contains viruses, Trojan horses, worms, time bombs, cancelbots or other similar harmful programming routines; or (8) solicits personal information from anyone under 18 or otherwise harms minors in any way.
You may not, except with our express advance authorization or in a specially designated area use the Website to: (1) upload, post, email or otherwise transmit any member content that provides any telephone numbers, street addresses, last names, URLs or email address; (2) engage in commercial activities; or (3) solicit donations for any purpose.
We may establish general practices and limits concerning use of the Website, including, for example, limits on the number of: (1) days that blogs, message board postings or other uploaded content and User Content will be retained; (2) Groups to which you may belong; (3) files (including graphics, photographs, videos or sound/music files) that may be posted; (4) disk space that will be allotted on IonTuition’s servers on your behalf, and (5) times you may access the website in a given period of time (and the maximum duration of your visits to the website).
You agree that IonTuition has no responsibility or liability for the deletion or failure to store any messages and other communications or other User Content, provided by you or otherwise, maintained or transmitted by IonTuition.
We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website (or any part thereof) with or without notice, and will not be liable to you or to any third party for any modification, suspension or discontinuance of the website.
The Website and its contents (including text, graphics, images and other materials), and the hypertext markup language (HTML), scripts, active server pages (ASP), or other content or software used in the Website (collectively, the “Material”), are protected by copyright under United States and foreign laws. All rights reserved. Unauthorized use of the Material may violate copyright, trademark, and other laws. You may view and download a single copy of content on the Website solely for lawful, non-commercial and personal use as expressly permitted by and subject to the restrictions contained in this Agreement. Regardless of the extent to which the Material is protected by copyright you agree that you may not sell or modify the Material or copy, display, retransmit, distribute, disseminate, sell, publish, broadcast, or otherwise use Material in any form or media for any public or commercial purpose, including the generation of derivative material, except as expressly permitted by IonTuition. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material.
IonTuition, the IonTuition logo, IonLearn, IonManage, IonMatch, IonPay, IonRefinance and other marks are tradenames and trademarks of IonTuition. You may not use IonTuition’s tradenames or trademarks in connection with any product or service that is not offered by IonTuition, in any manner that is likely to cause confusion in the marketplace, or that disparages or discredits IonTuition. Other trademarks, product names and company names or logos used on the Website are the property of their respective owners.
Except as specifically authorized in advance by IonTuition, users may not deep-link to the Website for any purpose or use any robot, spider or other automatic device or process to monitor or copy any portion of the Website.
It is IonTuition’s policy to respond to claims of intellectual property infringement. We will promptly process and investigate notices of alleged infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”) and other applicable intellectual property laws. Pursuant to the DMCA, notifications of claimed copyright infringement should be sent to a Service Provider’s Designated Agent. Notification must be submitted to the following Designated Agent for the Website: email@example.com.
To be effective, the notification must be a written communication that includes the following:
The Website and Services are provided on an ‘as is’ and ‘as available’ basis without any warranties of any kind. To the fullest extent permitted by law, IonTuition disclaims all warranties, including the warranty of merchantability, non- infringement or third party rights, and the warranty of fitness for a particular purpose. IonTuition makes no warranties about the accuracy, reliability, completeness, intent, usefulness, or timeliness of the material, content, services and links.
In no event will IonTuition, its affiliates, agents, suppliers, partners and their respective officers, directors, employees, contractors and agents (in each case, a “Released Party”) be liable for any damages whatsoever (including without limitation, direct, indirect, incidental, consequential, punitive and exemplary damages, lost revenues, or damages resulting from lost data, inconvenience or business interruption) resulting from the use or inability to use the Website or Services, whether based on warranty, contract, tort, or any other legal theory, and whether or not such Released Party is advised of the possibility of such damages. In no event will any Released Party be liable to you or anyone else for any decision made or action taken by you or anyone else in reliance on this Website or the Services or the information contained herein. In no event will the aggregate liability to you for all claims directly or indirectly arising from the use of the Website or the Services exceed one dollar ($1.00). Some jurisdictions do not allow the limitation of liability, so the foregoing limitation may not apply to you.
Each party recognizes and agrees that the warranty disclaimers and liability and remedy limitations in this agreement are material bargained for bases of this agreement and that they have been taken into account and reflected in determining the consideration to be given by each party under this agreement and in the decision by each party to enter into this agreement.
As a material inducement to provide you with use of the Website, you hereby indemnify, defend and hold each Released Party harmless from and against any and all demands, damages, liability, claims, actions, demands and costs incurred by such Released Party in connection with any claim arising out of any breach by you of this Agreement, including, reasonable attorneys’ fees and costs.
If you have a dispute involving the Website with a third party, you release each Released Party from all claims, demands, damages, liability, claims, actions, demands and costs of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code §1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”
This Agreement is governed by the internal substantive laws of the State of Illinois, without regard to its conflict of law principles. Jurisdiction for any claims arising under this Agreement will lie exclusively with the state or federal courts in Cook County, Illinois where IonTuition has its principal place of business. If you access the Website from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
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