Website Terms of Use

Terms of Use

By using this site, you acknowledge that you have read and accepted these terms and agree to the iGrad Privacy Policy. “You” and “User” as used throughout this document mean the person visiting and using the iGrad website in accordance with these Terms of Use.

No Warranty

This site is provided “as is.” iGrad makes no warranties or representations of any kind about this site including its software, content or information. iGrad will have no liability for damages resulting from use of this site even if such damages result from errors, negligence or deliberate acts of iGrad. If your state does not permit this waiver of liability, iGrad shall be limited to the amount you paid to access this site. iGrad does not warrant that this site is free from viruses.

Linked Sites

iGrad has no control over or responsibility for material in other websites accessed by hypertext links from this site. Hypertext links are provided only as a convenience to users of this site. iGrad does not verify the information on linked sites and does not endorse these sites or their source.

Use of Site

iGrad reserves the right to change its services and programs at any time without prior notice. Calculators on this site and on linked sites are designed to provide potential borrowers only with estimates of amounts that a borrower might actually pay. Do not rely on these calculations because actual payments may vary among services based on their interest rates, calculation processes and assumptions on which your loan is ultimately granted. iGrad is not a lender, bank or financial institution which lends money. If you wish to apply financial aid of any type, you should first contact the financial aid office at your school or your lender for forms to apply for financial aid. Where forms are available on this site for borrowers with existing loans (for example, forms for deferment or forbearance) these forms are to be printed by you and mailed either to your servicer or lender.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without prior written permission. 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 any transaction being conducted on our site.

You agree to abide by all applicable local, state, national, and international laws and regulations in your use of the site. You agree to be solely responsible for your actions and the contents of your transmissions through the site. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity.

iGrad may use any material or information posted by you to this site for any purpose. iGrad may create, distribute or use activity reports or similar abstracts of material provided by users of this site. While iGrad employs security technology acceptable under industry standards, transmissions to this site can be used, read or intercepted by others. Do not post any information on this site that infringes on copyright or property rights of others.

Property Rights

Governing Law

Except where federal law governs, this site will be governed under the laws of the State of California and users agree to submit to the jurisdiction of the courts of California.

Proposals and Analysis

The proposals and analysis presented here are based solely on the information available at the time of preparation. Proposals are time-sensitive materials and are subject to change without notice. The information presented here is an estimate only and not a guarantee of any kind. Your actual payments and terms may be different depending on your specific situation. Financial Crossing and iGrad intend that the information contained in these proposals be accurate; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made at any time.

You should rely on your own judgment in deciding which available proposals best suit your needs and financial means. You are under no obligation to use these proposals or analysis. Neither iGrad or Financial Crossing are student loan lenders and you should contact your lender or the Department of Education for specific details about your loans or loan options. Neither the proposals nor analysis should be construed as financial advice.

THE PROPOSALS AND ANALYSIS ARE PROVIDED "AS IS," WITH ALL FAULTS AND AS AVAILABLE FOR YOUR USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, UNLESS SUCH WARRANTIES ARE LEGALLY INCAPABLE OF EXCLUSION, AS TO ANY MATTER WHATSOEVER RELATING TO THESE PROPOSALS AND ANY INFORMATION AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

In no event will Financial Crossing or iGrad, be liable for any damages, including without limitation direct or indirect, special, incidental, punitive, exemplary or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any parties, 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 Financial Crossing, iGrad or representatives thereof, are advised of the possibility of such damages, losses or expenses. Proposals and analysis shown are based on your self-assessed financial input and any errors regarding input are your specific responsibility as the user.

Dispute Resolution

By making use of this service, you agree that any claim or controversy arising out of or relating to the use of this proposal, to the goods or services provided by Financial Crossing and iGrad (including, for purposes of these arbitration provisions, their parents, subsidiaries, affiliates, licensees, predecessors, successors, assigns, and all of their officers, directors, employees, agents and assigns or any and all of them) or to any acts or omissions for which you may contend Financial Crossing or iGrad are liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be venued at a location within the federal judicial district that includes your billing address at the time the claim is filed, or at some other place to which you and we agree in writing. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to iGrad or Financial Crossing. In any arbitration, Financial Crossing, or iGrad will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration to be determined by the arbitrator, provided, however, that in Maine any cost to the consumer shall be limited to the cost of filing a court case. In no event will you be required to pay for arbitration fees in an amount greater than what your court costs would have been if the Dispute had been resolved in a state court with jurisdiction. To begin the arbitration process, a party must make a written demand therefore.

The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto, except in Maine where state law will control all rights and remedies in the arbitration.

The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any nonparty, regardless of the nature of the issues or disputes involved. No Dispute submitted to arbitration is heard by a jury and no claim may be brought as a class action or as a private attorney general.

BY USE OF THIS SERVICE, YOU AGREE THAT ALL DISPUTES BETWEEN YOU, FINANCIAL CROSSING OR iGRAD WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using this proposal you consent to these restrictions. Any arbitration requirements set forth in this document shall be subject to state law restrictions.

You agree that all Disputes now in existence or that may arise in the future are to be resolved in accordance with these arbitration provisions. These arbitration provisions shall survive the termination of this service, as well as any bankruptcy by you. Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and iGrad or Financial Crossing, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in San Diego, California. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys" fees. If any part of these arbitration provisions is found to be inapplicable or unenforceable, the remainder of these arbitration provisions shall be enforceable without regard to such inapplicability or unenforceability.