Authorization of Use
All right, title and interest in and to this web site is owned by the Foundation. The content, organization, text, "look and feel", layout, graphics, images, logos, icons, design, compilation, magnetic translation and digital conversion related to this site are copyrighted material of the Foundation. The site is protected by both United States and foreign copyright, patent, trademark, and other relevant law and international treaty provisions. Subject to the terms and conditions provided for herein, any person may access this site and is granted a limited, non-exclusive license to view, print, use, download, reproduce, display or reprint, solely for personal or other non-commercial purposes, matters associated with the site, provided that they do not modify or alter the materials in any way, nor delete or change the Foundation copyright notice as it appears in these materials. The information and materials may not be otherwise copied, distributed, downloaded, modified, reproduced, reused or otherwise used except as provided herein without the Foundation's prior written consent. The Foundation reserves complete title and full intellectual property rights for information and materials downloaded from this site. The user agrees to comply with all applicable laws in using this site and/or the data, information and material contained herein. The Foundation reserves the right to terminate access to this site at any time without notice.

As a user, you agree not to use any robot, spider, scraper, or any other automatic or computer-generated device, or manual process to monitor or copy the site pages or content contained herein without the Foundation's prior written consent. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the site or any transaction being conducted on the site.

Copyrights and Trademarks
The data, information and material included in this web site are copyrighted ©2006 by EducationQuest Foundation, Inc. All rights are reserved under the copyright laws of the United States of America. The names and logos of the Foundation and its affiliates are registered service marks owned by the Foundation or its affiliates. All other products and service marks contained in this site are the trademarks/service marks of their respective owners.

No Warranties
The user of this web site assumes all responsibilities and risk for the use of this site and the Internet generally. The Foundation, its affiliated companies, and all data suppliers disclaim all warranties, representations, or endorsements, express or implied, with regard to the data, information, and material included in, or accessible from, this site or the Internet, including, without limitation, all implied warranties of merchantability, fitness for a particular purpose, or noninfringement. The Foundation and its affiliated companies have the right to discontinue, change, or update any data, information, or material included in this site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this site. No advice or information given by the Foundation or its affiliated companies or their respective agents and/or employees shall create any warranty. Neither the Foundation nor its affiliated companies warrant that the data, information, or material included in this site or on the Internet will be uninterruptible or error free, or that any data, information, software, or other material accessible from this site is free of viruses or other harmful components.

Disclaimer of Endorsement
The Internet sites that are available through certain links included in this web site, and the data, information and material found at such Internet sites, are not under the control of the Foundation or its affiliated companies. Therefore, the reference in this site to any products, services, processes or other information of any third party by a trade name, trademark, service mark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by the Foundation or its affiliated companies. The product and service information are the sole responsibility of each individual vendor.

Disclaimer of Use of Forms
The Foundation and its affiliated companies cannot represent nor endorse the accuracy or reliability of any of the information, material or functions which are displayed, downloaded, uploaded or distributed through the site. Any calculations contained on this site merely provide the user with estimates that may be different from the actual, applicable amounts. The reasons for this variation include, but are not limited to: (i) loan servicers may use different repayment calculations; (ii) loan servicers may make other calculation assumptions; or (iii) loan servicers may use different interest rates and processing methods. The actual repayment amounts are established by the user and his or her lender. The use of this site to submit any forms which may be provided via this site does not automatically qualify the user for financial aid. The user must contact the financial aid office at his or her school or the Foundation and its affiliated companies to obtain a student loan and/or grant application to apply for student aid. When indicated, the user may print and return a completed form to the Foundation or one of its affiliated companies, depending on the type of student aid involved. The Foundation and its affiliated companies reserve the right to invalidate requests which are submitted on altered forms. Any requests and/or applications which are submitted must first be reviewed and approved by the Foundation and/or its affiliated companies before becoming effective.

Disclaimer as to Confidentiality
Transmissions to and from this web site are not confidential or encrypted and it may be possible for the user's communications to be read or intercepted by others.

Restrictive Rights
Except as otherwise provided for herein, the data, information, and material included in this web site is provided to the user with restricted rights. Use, duplication, or disclosure by the United States government is subject to the restrictions that are set forth in subparagraph (c) of the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and (2) off the Commercial Computer Software - Restricted Rights at 48 C.F.R. §52.227-19, as applicable.

Indemnification
The user agrees to indemnify, defend and hold harmless the Foundation, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the site by the user or any other person accessing the site using such person's user name and/or password.

At EducationQuest Foundation, maintaining the trust and confidence of the individuals we serve is a high priority. That's why we want you to understand how we protect your privacy when we collect and use information about you. We respect your right to privacy and recognize our obligation to keep information about you secure and confidential. We do not sell or share information about you with outside marketers or other companies which may then try to sell their products or services to you.

The following are the types of information we may collect:

Information You Provide Us. Personal information such as your user ID and password, name, e-mail address, telephone number, physical address, birth date, gender, zip code or other information may be collected via the site.

Site Usage Information. We may receive and store certain types of information whenever you visit the site. For example, we may collect click-stream data and your IP address.

E-mail Communications. When you open e-mails from the site, we may receive a confirmation noting you opened an e-mail from us, if your computer supports such capabilities. We also may keep track of what e-mails we send you and what e-mails you may be receiving from any of our affiliates. Additionally, we keep a record of what e-mails you have opted to receive and those e-mail transmissions you have declined.

Information from Other Sources. We may receive information about you from other sources and add it to the company's database.

We may collect information from you in several different areas on the site, including but not limited to those described below:

Registration. You may be asked to first complete a registration form and provide personally identifiable information; you may also be asked to choose a user ID and password in order to take advantage of certain features the site may choose to offer including, but not limited to, newsletters, forms, or other subscription based services.

Newsletters and Site E-mails. We may offer free newsletters to share information with you about the site, about us and our affiliates and subsidiaries, or about our business partners. You may receive a newsletter either by registering for a particular newsletter or in conjunction with a special feature or membership for which you have registered on the site. You may cancel your free e-mail subscription by following the instructions provided on the site or, in some instances, in the designated area on certain newsletters or e-mails.

Surveys. From time to time, we may request personally identifiable information from you via surveys. Participation is voluntary and you will have the opportunity to decide whether or not to disclose information. At times, you may have to register to take part in a survey.

Cookies. As with many websites, this site uses standard technology called "cookies", which are small data files that are transferred to your computer when you allow your browser to accept cookies. Cookies automatically identify your web browser to the site whenever you visit the site, and make using the site easier for you by saving your passwords, purchases, and preferences. By tracking how and when you use the site, cookies help us determine which areas are popular and which are not. Many improvements and updates to the site are based on data obtained from cookies. Accepting cookies allows you, among other things, to personalize your experience on the site. Cookies may also allow the site to present you other information which may be of interest to you. If you do not want information collected through the use of cookies, you generally can opt out of providing this information by turning the cookies off in your browser; however, some areas of the site may not provide you with a personalized experience if you have disabled the use of cookies.

IP Addresses and Click-stream Data. We may collect IP addresses and/or click-stream data for purposes of system administration and to assemble aggregate information used for our internal operations. An IP address is a number that is automatically assigned to your computer whenever you access the Internet. Our computers identify your computer by its IP address. When you request web pages from the site, our computers log your IP address.

Click-stream data is information collected by our computers when you request web pages from the site. Click-stream data may include such information as the page served, the time, the source of the request, the type of browser making the request, the preceding page view and other such non-personal information. When analyzed, this data helps us examine how visitors arrive at the site, what type of content is most popular, what type of visitors in the aggregate are interested in particular kinds of content, and the like.

The information you provide to us may be used to:

• Contact you about the site;
• Confirm or respond to a request you have made;
• Monitor or improve the use of the site;
• Customize the content you see;
• Monitor compliance with our terms and conditions of use of the site;
• Provide special offers to your from EducationQuest and its affiliates and subsidiaries and, occasionally, other third parties;
• Send you promotional materials associated with the programs provided by EducationQuest Foundation.

We do not disclose any personally identifiable information about you to anyone, except as identified above or as may be otherwise permitted by law. We restrict access to personally identifiable information to our employees who need to know the information, and to our contractors and agents, in order to provide service to you as may be made available within the site. We maintain physical, electronic and procedural safeguards in compliance with federal law to safeguard personally identifiable information.

Behind this privacy policy is a simple idea. We want you to know that you can count on EducationQuest Foundation to protect the privacy and security of the information collected from you, and that we will provide you with the responsive, professional service we believe you deserve.