November 24, 2014
Student Financial Aid Services, Inc.
1. General Information
Student Financial Aid Services, Inc.("SFAS") offers fee-based financial aid assistance and preparation services. These student aid assistance services are designed to help families:
- access the full amount of Federal and State financial aid for which they may be eligible
- be aware of, and improve their understanding of, the financial aid process, requisite deadlines, and their ability to access other types of financial aid
- navigate the student aid system
- be among the first in the nation to be considered for financial aid, including resources awarded on a first-come, first-served basis
- understand and prepare a FAFSA with professional assistance and review
SFAS also helps Clients by providing a complimentary submission service whereby completed FAFSAs using our fee-based financial aid assistance and preparation services are submitted to the official processor of the Department of Education ("ED").
The following outlines the terms and conditions associated with the use of SFAS's fee-based student aid preparation and assistance services through the SFAS website, www.FAFSA.com ("Site")
and our client service center ("Client Service Center," and collectively with the Site and SFAS's preparation and filing services, the "Services"). The Services may also comprise
non-fee based SFAS offerings, including submission of a FAFSA application to the official processor of the ED. Your use of the Services indicates your acknowledgement of and agreement to these Terms
This Agreement constitutes a legal agreement between you, the user of the Services, and SFAS (or "we" or "us"), a private, for-profit company that is unaffiliated
with any government agency. In order to access and use the Services, you, the user, must accept and agree to be bound by, without exception, all of the terms, conditions and notices
contained in this Agreement. If you do not accept all of the terms, conditions and notices as stated in this Agreement, you may not use or access the Services. You represent to us that
Services are not intended for use by children. You represent to us that you are eighteen (18) years of age or older. If you are under the age of 18, your parent or legal guardian must
agree to the terms of this Agreement on your behalf.
You acknowledge and agree that you must (a) provide for your own access to the World Wide Web and pay any service fees associated with such access; and (b) provide all equipment necessary
for you to make such connection to the World Wide Web, including a computer and modem or other access device.
SFAS is not affiliated in any way with the ED. You may complete the FAFSA yourself, without the use of our Services, at no charge by (a)
filing a paper FAFSA application available from the ED; or (b) filing the FAFSA electronically through the ED website at www.FAFSA.ED.GOV.
3. Description of Services; Disclaimers
FAFSA is the application used by nearly all post secondary educational institutions to determine eligibility for many types of federal, state, and educational institution-sponsored student aid, including grants, educational loans, and work-study programs. However, some states and/or educational institutions may also require additional applications or forms in order for you to be considered for student aid.
- You acknowledge and agree that any Services provided to you by SFAS are limited consultation regarding the student financial aid process, which may include estimating the costs of attending a particular college, providing general guidance on how to pay for college, and/or assisting you in preparing your FAFSA application. You further acknowledge and agree that you are solely responsible for checking with your state's and/or educational institution's student aid administrators to determine their exact student aid policies, procedures, requirements and deadlines, including individual FAFSA filing deadlines, and for complying with those policies.
- You warrant and represent that all information provided to SFAS, its agents and employees will be true and correct. You also authorize SFAS, its agents and employees to discuss all aspects of your student aid application with educational institution student aid administrators and other state, federal, and private agency officials involved in the student aid process, as necessary and appropriate, in compliance with the Federal Rights and Privacy Act ("FERPA").
- You understand and agree that use of the Services does not guarantee that you will receive student aid either of an amount estimated or unestimated, nor does SFAS directly or indirectly make any representation or offer any guarantee that use of our Services will result in a student aid award or a student aid award that exceeds your individual student aid eligibility. Actual student aid eligibility and award packages are determined by federal and state agencies and the student aid offices of individual educational institutions, and are beyond SFAS' control.
- SFAS periodically reviews the contents of, or information provided through, the Services and makes reasonable, "good-faith" efforts to consistently provide users with accurate, up-to-date information; however, SFAS does not assume liability for loss or damage(s) as a result of user reliance on the Services. While SFAS believes the information contained on or provided through the Services to be accurate and factual, it has not been reviewed or approved by the ED, state agencies, lenders, educational institutions or other entities involved in the student aid industry. Information contained on or provided through the Services should not be considered legal, financial, or other professional advice.
- Student aid filing deadlines are subject to change and are beyond SFAS' control; therefore, while we consistently review our files to keep them up-to-date and endeavor to help clients meet filing deadlines, we cannot guarantee the accuracy of FAFSA filing deadlines in our database, nor do we guarantee FAFSA submissions by any particular date.
- Estimates and planning ranges provided by SFAS either verbally or in reports are based on historical and current data available from a wide variety of sources and are based on information that has been provided by you on the FAFSA application or supplementally. Estimates should be used as a guide to assist a Student or User in understanding likely ranges for student aid and in the final selection of an appropriate college. While reasonable care has been taken to produce estimates that are accurate based on the information provided to us by you, federal and state agencies, non-profit entities, and post-secondary institutions are subject to change without notice, potentially rendering these estimates inaccurate. This information is subject to change based on a variety of factors, including federal and state legislation changes, federal and state regulatory changes from administrative agencies (e.g. U.S. Department of Education and state higher education authorities), changes in Title IV eligibility at institutions, and/or changes in the financial aid awarding techniques institutions.
- Estimates and planning ranges provided by SFAS either verbally or in reports are NOT any of the following:
- A guarantee of the type and amount of aid the student is going to receive for any particular academic year
- A bargaining tool to try and receive a more favorable financial aid award package from a college or institution
- Any means other than use as a guide to assist a Student or User in understanding likely ranges for student aid
- Furthermore, while the student aid offices of most educational institutions
use the FAFSA "submission date" in determining whether an
applicant is considered "on time," a small percentage use the
date on which the FAFSA application is "fully processed." A
"fully processed" FAFSA typically means that the application
has been processed by the federal processor and made available to the
student aid office, and that the applicant has met the signature requirement,
either by signing and returning the signature page or the SAR, or by
signing the FAFSA electronically on the ED website using the applicant's FSA ID.
The process for creating and approving an FSA ID is managed by the ED. SFAS
does not have any control over such process and recommends that clients direct
questions about such process to the ED. You are fully responsible for
all activities that occur in connection with your FSA ID, and SFAS is
not liable for any harm caused or related to the disclosure, theft or
misappropriation of all or any portion of your personal or financial
information, or if someone else uses your FSA ID through no fault of
SFAS. Accordingly, you should not disclose your FSA ID to anyone else,
including to SFAS. We recommend that you notify the ED immediately if
you become aware of any disclosure, loss, theft or unauthorized use of
your FSA ID.
- You authorize SFAS to submit your FAFSA application electronically and
related to the electronic submission process with the ED. You
also acknowledge and agree that it is your sole responsibility to meet
signing electronically with your FSA ID or signing and returning the
signature page for your completed FAFSA application to the federal
processor should we electronically submit it on your behalf, and for
complying with your state's and/or educational institution's student
aid policies, procedures, requirements and deadlines, including
individual FAFSA filing deadlines.
- SFAS offers personalized FAFSA review by trained Student Aid Advisors; however, because we do not independently verify the accuracy of information provided to us by clients, and because rules and regulations change, we do not guarantee that all applications will be error-free or will not be selected by federal, state or applicable educational institution student aid offices for verification. SFAS does not undertake to confirm the truth, completeness or accuracy of information supplied by a client; accordingly, errors introduced into a FAFSA filing attributable to inaccurate, incomplete or incorrect information supplied by a client are solely the responsibility of the client. The verification process is managed by the federal, state or educational institution student aid offices. SFAS does not have any control over the FAFSA verification process and refers all questions from clients with respect to such process to the applicable student aid offices. SFAS may also offer complimentary, direct FAFSA submission services that do not include personalized FAFSA review or consultation. If you participate in such submission services, SFAS will not provide any review of the quality or completeness of the FAFSA filing, and eligibility for various forms of student aid may be forfeited, including through compromised deadlines.
- If, at any time prior to submission of a FAFSA application to the official processor of the ED, SFAS determines that there are potential errors in your FAFSA application that need to be corrected, SFAS will use commercially reasonable efforts to contact you to request permission to correct such error. However, if SFAS is unable to contact you after making commercially reasonable efforts to do so and corrections must be made without delay in order to meet any required deadline for submission of your FAFSA application, you authorize SFAS to utilize its judgment to make any corrections to the FAFSA application in order to file it before the deadline.
- Once a FAFSA application is "fully processed", SFAS has no control over such application and cannot make any changes or corrections to your FAFSA record. You may make changes or corrections to your FAFSA record by (a) making all necessary corrections in the appropriate boxes located in the middle of the Student Aid Report that you receive following the submission of the FAFSA application and submitting the corrected Student Aid Report to the appropriate entity as designated thereon; (b) contacting the ED by phone, 1.800.433.3243, solely for the purposes of adding schools and/or changing your address, by using your data release number ("DRN"), the four-digit number located in the lower-left corner of your Student Aid Report; or (c) accessing and correcting your FAFSA application electronically on the ED website (please note that you must obtain a "Confirmation Stamp" in order for your corrections to be applied to your FAFSA application).
- Should SFAS determine that (a) you have provided inadequate information for the ED to either accept the submission of your FAFSA, (b) the quality of the information you provide to us is inadequate for the ED to fully processed a submitted FAFSA or (c) there are outstanding issues or questions relating to the information you have provided such that it may affect the amount of student aid that you are eligible to receive, then SFAS may use commercially reasonable efforts to contact you to gather the information required. You agree to respond to SFAS's requests for additional information in a prompt and timely manner. However, if SFAS is unable to contact you by either email, telephone or mail, or you fail to provide the information requested in a prompt and timely manner, then SFAS reserves the right to cease providing any additional Services to you.
4. Privacy Statement
5. Charges, Cancellation, Termination and Fees
Automatic Recurring Annual Billing Charges: If you select the Gold service level, you are enrolled in a subscription service. Your authorized payment method we have on file will automatically be charged at the applicable rate for each subsequent FAFSA year during which you continue to be subscribed. You will receive a notice that your account will be at least charged ten (10) days before the charge is incurred. This notice will be sent to the email address you provided. You are responsible for keeping your account contact information up to date. If we are unable to process your payment,
you will be unenrolled in our Gold service level and services will be cancelled for that FAFSA year. It is possible that you may be billed more than once in a calendar year if more than one FAFSA is prepared on your behalf.
Cancellation: You can cancel your service for any reason by calling 1-866-514-5954 at any time during our normal business hours. In addition, you can notify us within seven (7) days after being charged and SFAS will issue you a refund of the fees paid by you for such services, provided that SFAS reserves the right to invoke a service charge. If invoked, the service charge will be (i) $10.00 if SFAS has begun to prepare your FAFSA application but has not reviewed or submitted it to the ED or (ii) $35.00 if your FAFSA application has already been reviewed and submitted to the ED. If for any reason the service charge is greater than the fees paid by you for such services, then SFAS will cancel the Gold service with no refund due to you.
Termination: If you do not utilize our services for a consecutive two year period, then your Gold service will automatically be canceled.
Fees: The current fee schedule is available at www.FAFSA.com/fafsa-services. You agree to pay any fees and charges incurred in connection with your use of the Services (including any applicable taxes, chargeback fees, overdraft fees or bounced check fees) at the rates in effect when the charges were incurred. You agree to pay all costs of collection of fees due to us, including legal fees, incurred by SFAS.
We reserve the right to terminate your account for any or no reason.
Except as expressly provided otherwise, SFAS grants you a personal, revocable, non-transferable
and non-exclusive license to display on your computer, print, download and use the underlying HTML,
text, audio clips, video clips and other content that is made available to you on this Site, for non-commercial,
personal or educational purposes only, provided that:
- you do not (and do not allow any third party to) modify or create a derivative work of any such content; and
- you include with and display on each copy of such content the associated copyright notice.
No other use is permitted. Without limiting the generality of the foregoing, you may not:
- include such content in or with any product that you create or distribute;
- reproduce, duplicate, copy, sell, rent, resell or exploit for any commercial purposes any portion of the Site, use of the Site, or access to the Site;
- establish a frame containing any portion of the Site on any other website or text document with hyperlink capabilities; or
- copy such content onto your or any other site; and you may not direct any other person to do any of the foregoing.
You agree not to access the Site by any means other than through the HTML or other interface that is provided by SFAS for use in accessing the Site.
Notwithstanding the above, nothing contained in this license shall be construed as conferring any right under any intellectual property of SFAS, its affiliates or any other person who owns the intellectual property in the content provided on this Site.
7. Intellectual Property
SFAS is the owner and/or authorized user of the Site and any trademark, registered trademark, service mark and/or other intellectual property appearing at this Site or used in connection with the Services, and is the copyright owner or licensee of the content and/or information on this Site, including but not limited to any screens appearing at the Site. You may not download, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, sell, transfer, or in any way commercially exploit any of the content, software or services that are a part of the Site, or infringe upon any copyrights, trademarks or service marks contained herein, without the express written consent of SFAS. However, you may print a copy of the information on this Site for your personal use or records. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States and other countries, as well as applicable state laws, and may be subject to penalties. SFAS does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this Site. Suggestions or feedback provided by you to SFAS, including without limitation, oral feedback or testimonials (collectively,"Feedback"), shall be the exclusive property of SFAS, and you hereby irrevocably waive all your rights to all Feedback and assign all such rights to SFAS. SFAS may display Feedback on its websites and through other media and may modify Feedback as necessary to delete inappropriate content, remove identifying information, and abbreviate to align with space or other limitations or requirements.
8. Member Account; Password and Security
- SFAS may supply you with a password and account designation upon completing the registration process for use of the Services. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password and account. You agree to immediately notify SFAS of any unauthorized use of your password or account, or any other breach of security of which you are aware, and to ensure that you properly log out of your account at the end of each session. SFAS assumes no liability for any loss or damage arising from your failure to comply with this section.
- You acknowledge and agree that you may obtain access to documents containing your personal and/or financial information
by using your password to access your account and that you may download and save such documents or elect to receive such
documents in paper form. You are entirely responsible for all documents that you download or otherwise obtain via your account.
In addition, SFAS is not responsible for the theft of, loss of, or any fraudulent activity related to any documents, including documents
containing your personal or financial information that are sent to you by United States Postal Service or private package delivery service at your request.
9. Use of Interactive Components of the Site
The Site may contain functionality that enables live support and/or instant messaging for users to obtain support from a SFAS
representative (collectively, "Site Forums"). Any Site Forums may be unavailable at times. We do not warrant or ensure the continuous availability of any Site Forums.
10. User Content
Other than personal and financial information that you provide in connection with your FAFSA application ("FAFSA Data"), which shall be treated in accordance with
perform and transmit all non-FAFSA Data, content and material uploaded, posted or otherwise provided by you through use of the Site, including but not limited to comments, ideas
for new products or services, testimonials, and feedback and suggestions regarding the Site. You are responsible for the content of that material. SFAS does not have any responsibility
for content, including the content of any messages or information posted or provided by you or users of the Services, or for the content of information accessible via direct or indirect hyperlinks
from the Site. However, SFAS retains the right, which it may or may not exercise in its sole discretion, to review, edit, or delete content that SFAS deems to be
illegal, offensive, in violation of these terms and conditions or otherwise inappropriate or for purposes of summarizing or abbreviating content. No compensation,
unless explicitly noted, will be paid with respect to the use of any information, content or material that you upload, post, transmit or otherwise make available
through this Site.
11. User Conduct
As a condition of your use of the Services, you agree (a) to abide by all applicable local, state, national, and international laws and regulations in your use
of the Services; (b) not to impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; (c) not to use
the Services for any purpose that is unlawful or contrary to this Agreement; (d) not to use the Services, or any portion thereof, in any manner that could damage,
disable, overburden, or impair the Services or interfere with any other party's use and employment of the Services; (e) not to attempt to gain unauthorized access
to any databases, information, computer systems, or network associated with SFAS; (f) not to obtain or attempt to obtain any materials or information through any means
not intentionally made available or provided for through the Services; and (g) not to post, upload, provide access to, or transmit material that (i) is libelous,
defamatory, obscene, child pornography, fraudulent, harmful, threatening, abusive or hateful, or that violates the property rights of others (including, without
limitation, infringing use of a copyright or trademark right); (ii) violates the privacy or publicity right of others; or (iii) is in violation of any applicable laws.
SFAS has no obligation to monitor the Services. However, you acknowledge and agree that SFAS has the right to monitor the Services from time to time and to disclose any information
as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Services properly, or to protect itself or its clients. SFAS reserves the
You acknowledge and agree that SFAS may deny you access to all or part of the Services without prior notice if you engage in any conduct or activities that SFAS, in its sole discretion, believes violate any of the terms and conditions, violate the rights of SFAS, or are otherwise inappropriate for continued access.
You acknowledge and agree that SFAS may, in its sole discretion, deny you access through the Site to any materials stored on the Internet, or to access third-party services, merchandise or information on the Internet, and SFAS shall have no responsibility to notify any third-party providers of services, merchandise or information, nor any responsibility for any consequences resulting from lack of notification.
13. Third Party Sites
SFAS may provide links to other sites or resources. You acknowledge and agree that SFAS is not responsible for the accuracy or availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You agree that SFAS shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources.
14. Disclaimer of Warranties
By using the Services, including any applets, software, and content contained on the Site, you agree that use of the Services is entirely at your own risk. In no event shall SFAS be responsible for the correctness of the Services, and no statement made by a representative of SFAS or through the Services or elsewhere, express or implied, shall be deemed such as a guarantee, warranty or representation of liability. THE SERVICES ARE PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES OR UNINTERRUPTED ACCESS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICES. SPECIFICALLY, SFAS DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO (a) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF THE INFORMATION OR SERVICES; AND (b) ANY WARRANTIES OF TITLE, WARRANTIES OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. SFAS MAKES NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. SFAS MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, OR AS TO THE ACCURACY OR RELIABILITY OF ANY CONTENT OR ANY INFORMATION OBTAINED THROUGH THE SERVICES, OR THAT DEFECTS IN THE SERVICES WILL BE CORRECTED. ANY INFORMATION OR DOCUMENTS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES ARE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH INFORMATION OR DOCUMENTS.
15. Limitation of Liability
NEITHER SFAS NOR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTIES FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF THE SERVICES OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE PROPERTY, EVEN IF SFAS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SFAS' LIABILITY TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCES IS LIMITED TO THE AMOUNT OF FEES COLLECTED BY SFAS FROM YOU IN ACCORDANCE WITH THIS AGREEMENT.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify and hold harmless SFAS and its affiliates and their licensors, agents, directors, officers, employees and contractors for any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorney fees) which arise out of, are connected with or directly relate to (a) your use of the Services; (b) any breach of any obligation, representation or warranty made by you in this Agreement; or (c) the preparation and electronic submission of financial information filed with any government entity, educational institution, or private or non-profit agency utilized to ascertain fina
ncial assistance, including the failure of SFAS to complete or properly transmit the FAFSA application.
18. Modification of Services
Notices by the parties shall be provided in writing. You agree that if you have provided us with an e-mail address for you, we may provide any written notices to you in electronic form via an e-mail to you. You are responsible for notifying us if your e-mail address changes. If you have not provided us with an e-mail address, we may provide such notices to the postal address you specified. You may submit notices to us at our e-mail address, clientservice@FAFSA.com. Notices sent by e-mail shall be deemed given forty-eight (48) hours after the e-mail is sent, unless the sending party is notified that the e-mail address is invalid. SFAS may also broadcast notices or other matters of importance on this Site; such broadcasts shall constitute notice to you.
This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any cause of action with respect to this Agreement and your rights and obligations must be submitted for arbitration, pursuant to Section 22, within one (1) year after the cause of action; otherwise, the cause shall be barred, provided that either party may seek injunctive or equitable relief in any court of competent jurisdiction. Nothing contained in this Agreement shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint venturers or partners for any purpose.
23. Void Where Prohibited
SFAS administers and operates the Services from its location(s) in the United States. Although the Services are accessible worldwide, not all features, products or services discussed, referenced, provided or offered through or on the Services are available to all persons or in all geographic locations, or are appropriate or available for use outside the United States. SFAS reserves the right, in its sole discretion, to limit the provision and quantity of any feature, product or service to any person or geographic area. Any offer for any feature, product or service made on or through the Services is void where prohibited. If you choose to access the Services from outside the United States, you are solely responsible for complying with all laws applicable thereto. You may not access, download, use or export the Site or the Content in violation of U.S. export laws or regulations, or in violation of any other applicable laws or regulations.
You acknowledge (a) that you have read and understood this Agreement; and (b) that this Agreement has the same force and effect as a signed agreement.
25. Contact Information