Terms of Service
FinAidNav.com TERMS OF USE
FinAidNav, or Financial Aid Navigator, encomposes the website FinAidNav.com and user portal (the “Service” or “Platform”). By using this Service you are agreeing to the following Terms of Use (“TOU”), whether or not you are a registered user of FinAidNav.com. The TOS may be updated from time to time without notice to you. However, you can always find the latest TOS at www.FinAidNav.com/terms and should check regularly for updates and changes.
In addition, when using the Service, you shall be subject to any posted policies, guidelines or rules applicable thereto. All such policies, guidelines and rules are hereby incorporated by reference into the TOS. You further agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.
ARBITRATION NOTICE: YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. WE EXPLAIN SOME EXCEPTIONS TO ARBITRATION BELOW.
IF YOU DO NOT AGREE TO THE CURRENT TERMS AND CONDITIONS, PLEASE DO NOT USE THIS SERVICE, SINCE YOUR USE OF IT CONSTITUTES ACCEPTANCE OF ALL OF THE MOST CURRENT TERMS AND CONDITIONS FOR ITS USE.
1. DEFINITIONS
We refer to our website as “FinAidNav” or “Website” or “Platform”, including when accessed via the URL FinAidNav.com.
References to “we”, “our”, “us” are references to Financial Aid Navigator, the operator of FinAidNav;
“Content” means any material provided to, or by, FinAidNav;
“User” means a User who has registered and set up their FinAidNav account as a user or client (also referred to as “you” or “your”);
“User Payment” means any and all payments made by a User to FinAidNav for service or other purposes;
“Terms of Use” (also called “your agreement with us” or “TOU”) means the legally binding agreement between you and us which consists of: (i) these Terms of Use for all Users, (ii) Privacy Policy, (iii) Acceptable Use Policy, (vii) Complaints Policy, and (ix) Community Guidelines;
2. DESCRIPTION OF SERVICE
FinAidNav makes available a collection of resources to its registered and non-registered Users as the Service. FinAidNav can provide advice based on its best knowledge.
THE SERVICE IS PROVIDED "AS IS" AND FinAidNav ASSUMES NO RESPONSIBILITY FOR TIMELINESS, NON-DELIVERY, OR FAILURE TO STORE ANY COMMUNICATION, WRITING, IMAGE, OR PERSONALIZATION SETTINGS. ADDITIONALLY, FinAidNav PROVIDES INFORMATION WITHOUT WARRANTY OF ANY KIND AND AS SUCH, THE COMPANY IS NOT RESPONSIBLE OR LIABLE FOR THE ACCURACY, CONTENT, COMPLETENESS, LEGALITY, OR RELIABILITY OF THE INFORMATION.
Unless explicitly stated otherwise, any new features which augment or enhance the Service, including without limitation the release of new FinAidNav properties, are subject to the then current TOU.
All Users must abide by the TOU. If a User fails to follow any of the guidelines and/or rules of behavior, FinAidNav can discontinue their ability to use the site at any time.
You may only use this website for purposes expressly permitted by the TOU. As a condition of your use of FinAidNav, you represent and warrant to FinAidNav that you will not use the website and any Service for any purpose that is unlawful, offensive, and/or prohibited by this TOU.
You alone are totally responsible for any activity that takes place on FinAidNav under your account. If you become aware of any unauthorized use of your account it is your responsibility to notify FinAidNav immediately. It is up to you to maintain the confidentiality of your account access at all times.
You understand that you may receive business-related communications from FinAidNav such as Service announcements and account administrative notices and you agree that these communications are not “unsolicited commercial email advertisements” and thus, subject to all applicable laws, you agree to receive them and you will not be able to opt out of receiving some communications.
3. RULES OF BEHAVIOR
You are solely responsible for your own communications and Content including any data, images, graphics, text, audio, video, email, links, and/or screen names you provide to the site. You agree to use the Service to provide Content that is legal and proper.
You must abide by all applicable Federal, State and local laws. If you are outside the United States, you may not use FinAidNav or its Services. By using the Services, you represent and warrant that you are using FinAidNav and/or the Services within the United States.
You cannot create User accounts under any false or fraudulent pretenses (including by automated means).
WHILE FinAidNav EXPLICITLY PROHIBITS THE ABOVE CONDUCT YOU ACKNOWLEDGE AND AGREE THAT YOU MAY BE EXPOSED TO SUCH CONDUCT AND CONTENT AND THAT YOU USE THE SERVICE ENTIRELY AT YOUR OWN RISK, AND THAT NEITHER FinAidNav, ITS SUBSIDIARIES NOR ANY OF ITS AND THEIR MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, REPRESENTATIVES OR ASSIGNS SHALL HAVE ANY LIABILITY OF ANY KIND FOR SUCH CONDUCT AS CARRIED OUT BY ANY THIRD PARTY AT ANY TIME UNLESS EXPRESSLY SET FORTH TO THE CONTRARY BY FinAidNav IN WRITING.
YOU UNDERSTAND AND AGREE THAT IF YOU VIOLATE ANY OF THE RULES OF BEHAVIOR, FinAidNav CAN TERMINATE YOUR USE OF THE SERVICE IMMEDIATELY WITHOUT PRIOR NOTICE AND WITHOUT ANY RIGHT OF REFUND, SET-OFF OR A HEARING.
4. CONTENT
As a registered User, you will be provided, and able to access, a variety of materials and information, including but not limited to text, audio, video, via videoconference, photographs, documents, graphics and other materials (“Content”). All of these materials are considered property of FinAidNav and and cannot share, resell, or otherwise distribute any materials without the written autorization of FinAidNav.
FinAidNav shall have no liability of any kind with respect to any Content provided or experienced via videoconference by you or other Users of the Service. You agree that you must assess and bear all risks associated with your use of any Content.
5. LINKS; DOMAIN NAMES
You may link to the FinAidNav homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part.
Users of the Service agree not to register or use domain names that contain the FinAidNav trademark or a confusingly similar term. However, you may register such a domain name if you obtain prior written permission from FinAidNav and sign a licensing agreement.
If you would like to register a domain name containing the FinAidNav trademark or a confusingly similar term, please contact info@FinAidNav.com. Failing to comply with these provisions, or the licensing agreement, will be considered a violation of the licensing agreement and may result in FinAidNav filing a domain dispute against the registrant.
6. INDEMNITY
You agree to indemnify, defend, and hold FinAidNav, its subsidiaries, affiliates, managers, members, officers, agents, and other partners and employees, harmless from any and all loss, cost, injury, liability, claims, damages, or demand of any kind, including actual attorneys’ fees and related costs, made by or arising out of your use of the Service.
7. PERSONAL AND LIMITED COMMERCIAL USE OF WEBSITE
Except for User Transactions and as may otherwise be specified, FinAidNav is for your personal and non-commercial use. You may not use the Service for any other purpose, including any commercial purpose, without the prior express written permission of an authorized representative of FinAidNav in each instance. You may not modify, copy, distribute, display, send, perform, reproduce, publish, license, create derivative works from, transfer, sell, or otherwise infringe on any intellectual property rights related to any information, content, software, products or services obtained from or otherwise connected to this Platform.
8. MODIFICATION AND TERMINATION OF THE SERVICE
FinAidNav reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that FinAidNav will not be liable to you or any third party for the consequences of any modification, suspension or discontinuance of the Service.
9. FinAidNav PRIVACY POLICY
Personal and certain other information is subject to our Privacy Policy. As a condition of using the Service you agree to the terms of the Privacy Policy, as it may be changed and updated from time to time. Our Privacy Policy, which is incorporated here by reference, is located at FinAidNav.com/privacy. You agree that your use of this Service is subject to the Privacy Policy, and therefore, agree that you will not use this Service unless and until you review the Privacy Policy and agree with its terms in its entirety.
10. PRACTICES REGARDING USE AND STORAGE
You acknowledge that FinAidNav may establish general practices and limits regarding use of the Service. You agree that FinAidNav has no responsibility or liability for the storage of User data, communications or other content maintained by the Service. You acknowledge and agree that FinAidNav reserves the right to log off accounts and deactivate usernames and accounts that are inactive for an extended period of time. You further acknowledge that FinAidNav has the right to modify these practices and limits from time to time.
11. FinAidNav PROPRIETARY RIGHTS; TRADEMARKS AND COPYRIGHTS
You acknowledge and agree that the Service and any necessary software used in connection with the Service (“Software”) contain proprietary and confidential information that is the property of FinAidNav and its licensors, and is protected by applicable intellectual property and other laws. No rights or title of to any of the Software used in connection with any Service is provided, transferred or assigned to you. You further acknowledge and agree that content contained in advertisements or information presented to you through the Service or advertisers is protected by copyright, trademarks, service marks, patent, privacy, and/or other proprietary rights and laws. Except as expressly authorized by FinAidNav or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or Software, in whole or in part, at any time. You also acknowledge FinAidNav’s exclusive rights in the FinAidNav trademark and service mark. Trademarks, service marks, logos, and copyrighted works appearing on FinAidNav are the property of FinAidNav or the party that provided such intellectual property to FinAidNav. FinAidNav and any party that provides intellectual property to FinAidNav retain all rights with respect to any of their respective intellectual property appearing on FinAidNav, and no rights in such materials are transferred or assigned to you, in whole or in part, at any time.
12. DISCLAIMER OF WARRANTIES
The use of the Service is at your sole risk. The Service is provided on an "as is" and "as available" basis. FinAidNav EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
FinAidNav MAKES NO WARRANTY THAT (1) THE SERVICE WILL MEET YOUR REQUIREMENTS, (2) THE SERVICE WILL BE UNINTERRUPTED, TIMELY SECURE, OR ERROR-FREE, (3) THE RESULTS OF USING THE SERVICE WILL BE ACCURATE OR RELIABLE, (4) THE QUALITY OF ANY SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH YOUR USE OF THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (5) THAT THE SOFTWARE WILL BE ERROR-FREE AND/OR ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
No advice or information, whether oral or written, obtained by you from FinAidNav or through or from the Service shall create a warranty not expressly stated in these TOU.
13. LIMITATION OF LIABILITY
You expressly understand and agree that FinAidNav will not be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, even if FinAidNav has been advised of the possibility of such damages or such damages were reasonably foreseeable, resulting from the use or the inability to use the Service, unauthorized access to or alteration of your transmissions or data, statements or conduct of any third party including advertisers on the Service, the conduct or content of any users or third parties on or through our Service or in connection with the Service, the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Service, and/or any other matter relating to the Service. In no event will FinAidNav be liable to you for any amount of money over One Hundred U.S. Dollars ($100.00), which you acknowledge to be a fair and reasonable sum in the event of any loss by you of any kind.
the limitation of liability provisions set forth in this section 13 shall apply even if your remedies under the tou fail with respect to their essential purpose.
some jurisdictions do not allow the limitation of certain damages, so some or all of the limitations in this section may not apply to you.
14. DISPUTES
Except as provided below, you and we agree that any cause of action, legal claim, or dispute between you and us arising out of or related to these TOU ("claim(s)") must be resolved by arbitration on an individual basis. Class actions and class arbitrations are not permitted; you and we may bring a claim only on your own behalf and cannot seek relief that would affect other FinAidNav Users. If there is a final judicial determination that any particular claim (or a request for particular relief) cannot be arbitrated in accordance with this provision's limitations, then only that claim (or only that request for relief) may be brought in court. All other claims (or requests for relief) remain subject to this provision.
Except as provided for otherwise herein, claims must be resolved by binding, individual arbitration. The American Arbitration Association will administer all arbitrations under its Consumer Arbitration Rules. YOU AND WE EXPRESSLY WAIVE A TRIAL BY JURY.
The following claims don't have to be arbitrated and may be brought in court: disputes related to intellectual property (like copyrights and trademarks), or efforts to interfere with the Service or engage with the Service in unauthorized ways (for example, automated ways). In addition, issues relating to the scope and enforceability of the arbitration provision are for a court to decide.
This arbitration provision is governed by the Federal Arbitration Act.
Before you commence arbitration of a claim, you must provide us with a written Notice of Dispute that includes your name, residence address, username, email address or phone number you use for your FinAidNav account, a detailed description of the dispute, and the relief you seek. Any Notice of Dispute you send to us should be mailed to 1463 Hosmer Lane, Santa Barbara, CA 93108 ATTN: Legal Department. Before we commence arbitration, we will send you a Notice of Dispute to the email address you use with your FinAidNav account, or other appropriate means. If we are unable to resolve a dispute within thirty (30) days after the Notice of Dispute is received, you or we may commence arbitration.
For any claim that is not arbitrated, you agree that it will be resolved exclusively in the U.S. District Court for the Central District of California or a state court located in San Francisco County. You also agree to submit to the personal jurisdiction of either of these courts for the purpose of litigating any such claim.
The laws of the State of California, to the extent not preempted by or inconsistent with federal law, will govern these TOU and any claim, without regard to conflict of law provisions.
YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO USE OF THE SERVICE OR THESE TOU MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
15. MISCELLANEOUS TERMS; GENERAL INFORMATION
These TOU govern the terms and conditions of your use of the Service, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and FinAidNav with respect to the Service and this website. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use or purchase certain elements of the Service, affiliate or advertiser services, third-party content or third-party software. FinAidNav may revise these TOU at any time by updating this posting. Accordingly, you should review the TOS periodically to determine if any changes have been made. Your continued use of FinAidNav after any changes have been made to the TOU signifies and confirms your acceptance of any such changes or amendments to these TOU.
The failure of FinAidNav to exercise or enforce any right or provision of this TOU shall not operate as a waiver of such right or provision. Any waiver of the TOU by FinAidNav must be in writing and signed by an authorized representative of FinAidNav to be effective.
If any provision of these TOU is found by a court of competent jurisdiction to be invalid, the parties’ intentions as reflected in the provision, and the other provisions of these TOU, shall remain in full force and effect.
The section titles in these TOU are for convenience only and have no legal or contractual effect.
Nothing contained in these TOU shall be construed to constitute either party as a partner, joint venturer, employee or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each is and shall remain independent contractors (to the extent applicable), and therefore, responsible for its own actions.
Please immediately report any violations of these TOU to FinAidNav at info@FinAidNav.com
Last Revised: November 14, 2025