This online service is provided by ScholarshipExperts.com (“ScholarshipExperts.com”), a division of WiseChoice Brands, LLC, to the person using the Service (“You” or “Your”) pursuant to these Terms of Use (the “Terms”) and any operating rules or policies that may be published from time to time by ScholarshipExperts.com.

These Terms are a binding agreement. By accessing or using the Internet site located at www.scholarshipexperts.com and any other Internet site operated by ScholarshipExperts.com for third parties (the “Site”) or any services provided to You in connection with the Site (the “Service”), You agree to abide by these Terms of Use ("Terms"), as they may be amended by ScholarshipExperts.com from time to time in its sole discretion. Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, DO NOT ACCESS OR USE THE SITE OR THE SERVICE.

By using this Website, you agree to receive electronic communications from us. You agree that any notice, agreement, disclosure, or other communication that we send you electronically will satisfy any legal communication requirements, including that such communications be in writing.

ScholarshipExperts.com reserves the right to modify or discontinue, temporarily or permanently, any part of the Site or the Service for any reason, at its sole discretion, with or without notice to You. ScholarshipExperts.com 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.

Your use of the Site and the submission of any applications, profiles or forms completed by You through the Site or the Service DOES NOT qualify You for any financial aid, scholarships or awards. Your eligibility for financial aid, scholarships, and awards will be determined by Your individual financial situation and the opinion of external agencies (e.g., scholarship providers, schools, lenders, and the United States Department of Education), among other things. Searching for scholarships and/or submitting a profile or an application for a scholarship or award does not guarantee that You will receive any scholarship, award, financial aid, or other funds. Eligibility for any financial aid, awards or scholarships will be determined by the entities providing or sponsoring the financial aid, awards or scholarships, or by other designated entities. In addition, specific financial aid, awards and/or scholarships may have been previously granted or awarded at the time You submit a profile or an application for a scholarship or award, and ScholarshipExperts.com shall not be liable to You or any third party in any such event.

ScholarshipExperts.com has no control over, and no liability for any third party scholarship or financial aid providers, including the legality of any scholarships or awards, the truth or accuracy of any listings, the ability of scholarship providers to provide scholarships or awards, including those of scholarship or financial aid providers whose Internet site may be linked with the Site. Because neither ScholarshipExperts.com nor the Site have control over the content and performance of Internet sites of scholarship or financial aid providers, ScholarshipExperts.com makes no guaranty and does not warrant the accuracy, currency, content, or quality of the information provided by such sites or that such sites are error-free or that Your access will be uninterrupted or that material accessible from the Site is free of viruses. ScholarshipExperts.com does not endorse any scholarship or financial aid providers.

When registering or completing and submitting a profile or application on the Site, You agree to provide current, complete, and accurate information about You. If any information You provide is untrue, inaccurate, not current or incomplete, ScholarshipExperts.com has the right to terminate Your account, not share or provide Your information to any entities providing or sponsoring financial aid, awards or scholarships, and/or decline to provide any and all future use of the Site by You. Please see the Privacy Policy, which is incorporated by reference into these Terms, for the details of our commitment to Your privacy and how your information will be used.

When registering or completing and submitting a profile or application on the Site, You will be asked to provide a user name and password. You are entirely responsible for maintaining the confidentiality of Your user name and password and for any and all activities that occur under Your password or account. You agree to immediately notify ScholarshipExperts.com of any unauthorized use of Your account, user name or password or any other breach of Site security known to You. You may not use the account, username, or password of someone else at any time. ScholarshipExperts.com shall not be liable for any loss that You incur as a result of someone else using Your user name or password, either with or without Your knowledge. You may be held liable for any losses incurred by ScholarshipExperts.com, its affiliates, officers, directors, employees, consultants, agents, and representatives due to someone else’s use of Your account, user name or password.

ScholarshipExperts.com may make certain software available to You from the Site. If You download software from the Site, the software, including all files and images contained in or generated by the software, and accompanying data (collectively, “Software”) are deemed to be licensed to You by ScholarshipExperts.com, for Your personal, noncommercial, home use only. ScholarshipExperts.com does not transfer either the title or the intellectual property rights to the Software, and ScholarshipExperts.com retains full and complete title to the Software as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may You decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. All trademarks and logos are owned by ScholarshipExperts.com or its licensors and You may not copy or use them in any manner.

Any software available on the Site is subject to U.S. export controls. No software may be downloaded from the Site or otherwise exported or re-exported in violation of U.S. export laws.

SCHOLARSHIPEXPERTS.COM HEREBY DISCLAIMS ALL WARRANTIES. SCHOLARSHIPEXPERTS.COM IS PROVIDING THE SITE AND THE SERVICE ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR THE SERVICE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCHOLARSHIPEXPERTS.COM EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE AND THE SERVICE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. SCHOLARSHIPEXPERTS.COM DOES NOT WARRANT (I) THAT THE SITE OR THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THAT THE OPERATION OF THE SITE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, (III) THE RESULTS WHICH MAY BE OBTAINED FROM THE USE OF THE SERVICE OR (IV) THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE. ScholarshipExperts.com disclaims any warranty that the Site and the Service (or any information or software contained therein) are free of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. ScholarshipExperts.com assumes no responsibility for the deletion or failure to store or transmit any information provided by You in connection with the Service.

The contents of the Site and the Service, including their "look and feel" (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including html-based computer programs), and other material and the compilation of all such content on the Site are protected under both United States and foreign copyright, patent, trademark, and other laws. Such contents, the Site and the Service and all rights therein are, and shall at all times remain, the sole and exclusive property of ScholarshipExperts.com or its affiliates and/or their respective licensors. The information and materials contained in the Site or the Service 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 ScholarshipExperts.com. The Site and the Service are proprietary and confidential to ScholarshipExperts.com, and You agree to use the Site and Service solely for Your own personal, non-commercial purposes, provided that you do not change or delete any proprietary notices from downloaded or printed materials. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or Service or use of or access to the Site or Service or any information or technology obtained from the Site, or assist or permit any third party to do so. You agree that You will not use any robot, spider, other automatic device, or manual process to monitor or copy pages of the Site or the content contained therein. 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 Service or any transaction being conducted on the Site.

You agree to comply with all applicable local, state, national, and international laws and regulations, and any rules or policies that may be published from time to time by ScholarshipExperts.com, in Your use of the Site and the Service. The Site and the Service are available only to individuals who are permitted to use them under applicable law. If You do not qualify, You may not use the Site or the Service. You agree to be solely responsible for Your actions and the contents of Your transmissions through the Site and Service. 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 ScholarshipExperts.com may restrict or terminate Your password, account, or use of the Site or the Service in its sole discretion for any or no reason, without notice and without liability to You or any third party. To ensure that ScholarshipExperts.com provides a high quality experience for You and for other users of the Site and the Service, You agree that ScholarshipExperts.com or its representatives may access Your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Service. ScholarshipExperts.com does not intend to disclose the existence or occurrence of such an investigation unless permitted or required by law.

SCHOLARSHIPEXPERTS.COM’S LIABILITY TO YOU IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. IN NO EVENT SHALL SCHOLARSHIPEXPERTS.COM BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR ANY OTHER MATERIALS OR SERVICES PROVIDED TO YOU BY SCHOLARSHIPEXPERTS.COM. This limitation shall apply regardless of whether the damages arise out of breach of contract, tort negligence, or any other legal theory or form of action, and includes but is not limited to any liability associated with any viruses which may infect Your computer equipment. Calculators and tools contained on the Site or in the Service provide You with estimates that may be different than actual amounts.

On the Site, You will find content, functions, information, and tools, including those provided by third parties that are not the property of ScholarshipExperts.com. On the Site You may also find links that will transfer You to the websites of organizations that can provide You with value-added information and/or functionality. By linking to these websites, ScholarshipExperts.com does not represent or imply that there is any business relationship between the two entities. Furthermore, ScholarshipExperts.com strives to keep these links as current and accurate as possible, but it cannot guarantee and expressly does not warrant that such links point to the intended third party site. Links to and from these sites do not constitute an endorsement by ScholarshipExperts.com. ScholarshipExperts.com has no control over and no liability for any third party websites or materials, including those of partners and affiliates whose Internet sites may be linked with the Site. Because neither ScholarshipExperts.com nor the Site have control over the content and performance of these partner and affiliate sites, ScholarshipExperts.com makes no guaranty and does not warrant the accuracy, currency, content, or quality of the information provided by such sites or that such sites are error-free or that Your access will be uninterrupted or that material accessible from the Site is free of viruses. In addition, ScholarshipExperts.com assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites. Similarly, from time to time in connection with Your use of the Site, You may have access to content items (including, but not limited to, websites) that are owned by third parties. You acknowledge and agree that ScholarshipExperts.com makes no guarantees about, and assumes no responsibility for, the accuracy, currency, content, or quality of this third party content, and that, unless expressly provided otherwise, these Terms shall govern Your use of any and all third party content.

ScholarshipExperts.com imposes certain restrictions on Your permissible use of the Site and the Service. You shall use the Site and the Service only for the purposes authorized by ScholarshipExperts.com. You may not use the Site or the Service in violation of any applicable laws or regulations or in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation, (a) accessing content or data not intended for You, or logging onto a server or account that You are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Service, the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site or Service, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”; (d) using the Site or Service to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services; (e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Service; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by ScholarshipExperts.com in providing the Site or Service. Any violation of system or network security may subject You to civil and/or criminal liability.

You agree that you are responsible for your behavior in connection with the Site and the Services. You agree to indemnify, defend, and hold harmless ScholarshipExperts.com and its related companies, and their respective directors, officers, employees, and agents, from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to (i) access to or use of the Site or the Service by You or any other person accessing the Site or the Service using Your user name and password, or (ii) Your violation of these Terms. ScholarshipExperts.com will notify You promptly of any such claim, loss, liability, or demand, and will provide You with reasonable assistance, at Your expense, in defending any such claim, loss, liability, damage, or cost.

All contents of Site or Service are: Copyright © 2009 WiseChoice Brands, LLC. All rights reserved.

All of the ScholarshipExperts.com trademarks, service marks and trade names used on the Site and in the Service are trademarks or registered trademarks of WiseChoice Brands, LLC in the U.S. and/or other countries. They may not be used without our prior express written permission. All other trademarks that appear on the Site are the property of their respective owners, who may or may not be affiliated with us or sponsor or endorse us (and who may or may not be endorsed by us).

You agree that ScholarshipExperts.com and its related companies are free to use any comments, information or ideas contained in any communication You submit to us, without notice, compensation, or acknowledgement to You, for any purpose whatsoever, including but not limited to modifying the Site or Service and developing and marketing products and services.

You represent and warrant that You possess the legal right and ability to enter into these Terms and to use the Site and the Service in accordance with these Terms. ScholarshipExperts.com makes no claim that the Site or the Service may be lawfully viewed or accessed outside of the United States. Together with any other written contract, these Terms comprise the entire agreement between You and ScholarshipExperts.com and supersede all prior agreements between the parties regarding the subject matter contained herein. These Terms shall be governed in all respects by the substantive laws of the Commonwealth of Virginia, without regard to its provisions relating to conflict of laws. You and ScholarshipExperts.com agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within the County of Fairfax, Virginia. The failure of ScholarshipExperts.com to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party. If any provision of these 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 these Terms shall remain in full force and effect. In no event shall ScholarshipExperts.com be liable for damages caused by third parties not under its control or by other causes beyond its reasonable control, including, but not limited to, damages caused by third party telecommunications service providers. You agree not to assign or transfer any of your rights or obligations under these Terms. 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 services or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.