By using the website, you agree to the following terms and conditions.  Please read these terms and conditions carefully. By accessing this site and any website related services (collectively, the “Site”), you are subject to the terms and conditions set forth in the Terms of Use Agreement. If you do not agree to these terms and conditions, you may not access or use the site. 

USE OF INFORMATION AND MATERIALS
The Site provides users with access to information and materials about and from South Carolina Student Loan Corporation (SCSLC) and its third party service providers.  These materials may include information related to certain products and services (“Products and Services”) offered by SCSLC.  The Site may also contain text, pictures, graphics, logos, button items, images, works of authorship, and other contact (collectively with all information and material about SCSLC, Products and Services, “Content”).

PLEASE NOTE:  Your access to and use of the Site is subject to these Terms of Use, as well as all applicable laws and regulations.  Please read these Terms of Use carefully.  If you do not accept and agree to be bound by any of these Terms of Use, you are not authorized to access or otherwise use the Site or any information, Contact or Products and Services contained on the Sites.  Your access to and use of the Site constitutes your acceptance of and agreement to abide by each of these terms and conditions set forth below.   The information and materials contained in the Site - and the terms, conditions, and descriptions that appear - are subject to change.  Unless otherwise indicated, any new Content, Products and Services added to the Site will also be subject to these Terms of Use effective upon the date of any such addition.  You are encouraged to review the Site and these Terms of Use periodically for updates and changes.

Your eligibility for particular products and services is subject to final South Carolina Student Loan Corporation (SCSLC) determination and acceptance. If you have registered with the Site and have a User ID and Password, you may use the User ID and Password to access information about any student loan(s) you have that we originate and/or service. You may also make payments on any loan that we service.

Any comments sent to SCSLC, including but not limited to feedback data, questions, comments, suggestions, corrections, and bug fixes shall be deemed to be non-confidential, and SCSLC shall be free to use the ideas, concepts, know-how, and techniques contained therein, and to use, reproduce, disclose, exhibit, display, transform, adapt, create derivative works and/or distribute the feedback to others without limitation and without obligation. 

If you have any questions about these Terms of Use or the Site please contact us at (800) 347-2752.

LIMITED LICENSE AND SITE ACCESS; ALL RIGHTS RESERVED
Use of the Site is limited to persons 14 years of age or older, however the use of some of the Products and Services are only available to individuals 18 years of age or older (19 years of age in Alabama and Nebraska).  Subject to your compliance with these Terms of Use, SCSLC hereby grants you a limited license to access and make personal use of this Site, but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of SCSLC (E.g., downloading of PDF forms, applications, etc.).  This license does not include any resale or commercial use of the Site or the Content; any derivative use of the Site or the Content; or any use of data mining, robots, or similar data gathering and extraction tools. The Site or any portion thereof may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of SCSLC. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of SCSLC without SCSLC's express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of SCSLC's name(s) or service marks without the express written consent of their owners. SCLSC (or the respective third party owners of Content) retain all right, title, and interest in the Site and any Content, features, Products and Services offered on this Site, including any and all intellectual property rights. Any software applications available on or through the Site is licensed, not sold, to you. SCSLC may assign these Terms of Use or any part of them without restrictions.  You may not assign these Terms of Use or any part of them, nor transfer or sub-license your rights under this License, to any third party. We (or the respective third party owners of Content) reserve all rights not expressly granted. Any unauthorized use terminates the permission or license granted by SCSLC.

ACCOUNTS
In order to access certain content or features of the Site, you may be required to register with SCSLC and create an account. You should not use domain names or web URLs in your username. Your account gives you access to certain portions of the Site and functionality that SCSLC may establish and maintain from time to time and in its sole discretion. By providing SCSLC your email address you consent to our using the email address to send you notices related to the Site, including any notices required by law, in lieu of communication by postal mail. We may also use your email address to send you other messages, such as changes to features of the Site and special offers. If you do not want to receive such email messages, you may opt out or change your preferences in your [USER PROFILE/OPT-OUT]. Opting out may prevent you from receiving email messages regarding updates, improvements, or offers.

You are responsible for any activity that occurs through your account and you agree you will not sell, transfer, license or assign your account, username, or any account rights. SCLSC prohibits the creation of and you agree that you will not create an account for anyone other than yourself. You also represent that all information you provide or provided to SCSLC upon registration and at all other times will be true, accurate, current and complete and you agree to update your information as necessary to maintain its truth and accuracy. Do not provide your password to any other person or use any other person’s username and password. You must notify SCSLC immediately of any breach of security or unauthorized use of your account. SCSLC will not be liable for any losses caused by any unauthorized use of your account.

RULES OF CONDUCT
You agree not to use this site to 1) for any fraudulent, unlawful, malicious, or competitive purpose; 2) impersonate any person or entity; 3) to interfere with or disrupt the Site; 4) transmit or otherwise make available in connection with the Site any virus, worm, Trojan horse, robot, spyware, or other code; 5) restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site; 6) interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collection personally identifiable information about Site visitors or users; 7) sell, resell, transfer, license, or exploit for any commercial purpose or use of or access to the Site; 8) modify, adapt, translate, reverse engineer, decompile or dissemble any portion of the Site; 9) misuse passwords; 10) attempt to gain unauthorized access to the account information of anyone else, or to use any computer systems or networks connected to any of our servers; 11) damage, disable, overburden, impair any server or our network(s); 12) access systems, data, or information not intended by SCSLC to be made accessible to a user; 13) attempt to obtain materials or information through any means not intentionally made available by SCLSC; 14) conduct any activities other than for the purposes for which it was intended; 15) create a false identity for the purpose of misleading others or impersonate any person; 16) upload or transmit any material you do not have the right to reproduce, display, or transmit under any law, contract, or fiduciary relationship; 17) delete any legal notices or proprietary designations or labels; 18) upload or transmit unsolicited advertising, promotional materials,
“junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation; 19) violate any applicable state, local, national, or international law, 20) manipulate or otherwise displace the Site using framing, mirroring, or similar navigational technology or directly link to any portion of the Site other than the main homepage, in accordance with the limited license set forth above; 21) probe, scan, or test the vulnerability of or breach the authentication measures of the Site; and 22) register, subscribe, or attempt to subscribe or unsubscribe any party for the Products and Services, or any contests, promotions, or sweepstakes if you are not expressly authorized by such party to do so. 

CONTENT AND AVAILABILITY
Due to offers that limited in time or availability, certain Products and Services described on the Site may not be available to all users.  EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THE SITE IS NOT AN OFFER TO EXTEND CREDIT BY SCSLC.

The content and availability of this Site may change at any time. SCSLC is not liable to you for any change in the Site or in connection with the availability of the Site.  SCSLC is not responsible for nor has control over any third-party websites or webpages made available via Site links. SCSLC disclaims responsibility for any material on a third-party website that may be inaccurate, unlawful, or otherwise objectionable.

You are responsible for taking precautions as necessary to protect yourself and your computer system from viruses, worms, Trojan horses, and other harmful or destructive content. 

DISCLAIMER; NO WARRANTY
Content and other information contained on the Site has been prepared by SCSLC as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. SCSLC has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the Content or other information contained in or linked to the Site or any other Site maintained by SCSLC. Users relying on Content or other information from the Site do so at their own risk.

The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the relevant Product or Services agreement for complete terms and conditions. Should you purchase a Product or Service from SCLSC or a third party, the terms and conditions applicable to that transaction will govern such entry or purchase, as applicable, and your use of the Sites does not affect that purchase in any manner. 

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS-ARE PROVIDED "AS IS","AS AVAILABLE".  SCSLC DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS,
LIMITATION OF LIABILITY IN NO EVENT WILL SCSLC BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF SCSL, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY SCSLC.  CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE
DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

PROPRIETARY RIGHTS
All right, title and interest in the Site and any content contained herein is the exclusive property of SCSLC, except as otherwise stated.  Unless otherwise specified, this Site is for your personal and non-commercial use only and you may print, copy and download any information or portion of this Site for your personal use only.  You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create, derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Site except for the purposes expressly provided herein without SCSLC’s prior written approval.  
You may download information from the Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of SCSLC or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by SCSLC. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. SCSLC does not warrant or represent that your use of Content, Products and Services or any other materials displayed on the Site will not infringe rights of third parties.

DIGITAL MILENNIUM COPYRIGHT ACT
If you believe that any Content on the Site violates or infringes upon your intellectual property rights pursuant to Title 17, United States Code, Section 512(c)(2) (the “Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act” or “DMCA:”), please notify us immediately at (800) 347-2752 with reasonably sufficient detail necessary for us to consider and respond to your complaint. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims. Please send Copyright infringement claim notices to PO Box 102405, Columbia, SC 29224.

PRIVACY
Your privacy is important to us. SCSLC maintains our enterprise wide Privacy Policy  as well as our Website Privacy Policy.  We agree to use your information in accordance with our Privacy Policies, and you consent and acknowledge that your information may be used in accordance with our Privacy Policy. We reserve the right to store all information transmitted via our Products and Services and to use it in accordance with our Privacy Policies. We reserve the right to modify our Privacy Policies from time to time, effective upon posting the revised version on our Site. We encourage you to periodically check the Site for updates. If you disagree with anything in our Privacy Policy, you should cancel your subscription and discontinue using our Services. SCSLC reserves the right to monitor use of the Site at any time as it deems appropriate in accordance with our Privacy Policy.

CONNECTION REQUIREMENTS
You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Site, and SCSLC reserves the right to change the access configuration of the Site at any time without prior notice.

LINKS TO THIRD PARTY WEBSITES
The Site may contain hyperlinks to other sites owned and operated by parties other than SCSLC. Such hyperlinks are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event the Site provides hyperlinks to other websites that are not owned, operated or maintained by SCSLC, you acknowledge and agree that SCSLC is not responsible for and is not liable for the content, products, services or other materials on or available from such websites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. SCSLC is under no obligation to maintain any link on the Site and may remove a link at any time in its sole discretion for any reason whatsoever. SCSLC shall not be responsible or liable,