By accessing Refi.me, a service provided by College Raptor, Inc. (“Raptor”), or any other site or domains under the control of Raptor, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
You are prohibited from violating or attempting to violate the security of Raptor, including, without limitation, (a) intercepting or accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without prior express written authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to any Raptor controlled web site, overloading, “flooding”, “denial of service attacking”, “spamming”, “mailbombing” or “crashing”, (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting. Violations of system or network security may result in civil or criminal liability.
Permission is granted to temporarily download or receive via email one copy of the materials (information or software) on the Refi.me web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Raptor at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on the Refi.me web site are provided “as is”. Raptor makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Raptor does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
Refi.me is an independent web site and advertising helps provide resources to create new features that are free for its users. If someone clicks on one of our advertising partner link(s) within our site, we may receive a referral fee. Our reviews, rankings, research, and written content are based on objective analysis and not potential compensation. We do not provide a complete listing of every available product in the marketplace but strive to recommend products we feel are best for our users.
In no event shall Raptor or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the Refi.me Internet web site, even if Raptor or a Raptor authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the Internet or this web site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
RAPTOR WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEB SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEB SITE LINKED TO IT. YOUR USE OF THE WEB SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE IS AT YOUR OWN RISK. THE WEB SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER RAPTOR NOR ANY PERSON ASSOCIATED WITH RAPTOR MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEB SITE. WITHOUT LIMITING THE FOREGOING, NEITHER RAPTOR NOR ANYONE ASSOCIATED WITH RAPTOR REPRESENTS OR WARRANTS THAT THE WEB SITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEB SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. RAPTOR HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL RAPTOR, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEB SITE, ANY WEB SITES LINKED TO IT, ANY CONTENT ON THE WEB SITE OR SUCH OTHER WEB SITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE OR SUCH OTHER WEB SITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
The materials appearing on this web site could include technical, typographical, or photographic errors. Raptor does not warrant that any of the materials on this web site are accurate, complete, or current. Raptor may make changes to the materials contained on this web site at any time without notice. Raptor does not, however, make any commitment to update the materials.
Raptor has not reviewed all of the sites linked to this Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Raptor of the site. Use of any such linked web site is at the user’s own risk.
Any claim relating to this web site shall be governed by the laws of the State of Iowa without regard to its conflict of law provisions.
The safety and privacy of children is very important to us. Raptor is committed to comply with the requirements of all federal and state law, including the Children’s Online Privacy Protection Act of 1998 (“COPPA”). For more information about COPPA, please visit the Federal Trade Commission’s web site at COPPA Web site. This Web Site is not intended for children under the age of 13. Raptor will not knowingly register or otherwise collect Personal Information from persons who identify themselves as being under the age of 13 during the registration process, without the prior consent of such child’s parent or guardian. By accepting our terms of service, you are affirming that you are 13 years of age or older.
By creating an account through a Raptor service, you agree to receive periodic email updates from us regarding new content, features and other information. You will be able to unsubscribe from these email updates at any time.
You agree to be contacted by Raptor or on our behalf or by any other party to whom you may be referred or whom you may contact via your utilization of our services by mail, email, telephone calls, text messages, and other platforms for marketing and non-marketing purposes associated with the business of the Services. You also specifically agree that you have provided express consent to receive autodialed and prerecorded non-marketing calls (e.g., calls to service your relationship with us) and text messages from us or on our behalf at the telephone number(s) that you provide.
You confirm that all of your contact information is correct. You also agree that you are the subscriber for any telephone number(s) provided and the authorized user for the email address(es) provided. You also agree to notify Raptor promptly if any of your number(s) or address(es) change in the future. You understand that your wireless service provider’s message and data rates may apply to the messages that we send to or receive from you.
You also agree that by submitting a request for a service provided by Raptor, you are extending an express invitation to Raptor and each applicable affiliate organization or financial service provider related to the submission to contact you so that Raptor and they may assist you with your transaction or request. Such communications may include marketing or promotional communications.
You confirm that you are authorized to provide Raptor with any data you submit on this web site, including but not limited to academic, family and financial data entered into our calculation tools. Further, you acknowledge that once this data is submitted to this web site, the data, absent any personally identifiable information about you, will, in aggregate, become the sole property of Raptor and that we may decide to use it at our sole discretion. You represent that the data you provide is accurate to the best of your knowledge, understand that Raptor may terminate your use of our services without notice for providing us with inaccurate or unauthorized information, and acknowledge that any models created by Raptor which utilize such data are entirely owned by us.
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