Your use of this Web Site and online services contained therein is subject to the following Terms of Service. Please read them carefully.

Terms of Use United Student Aid Funds, Inc. ("USA Funds"), Northwest Education Loan Association ("NELA") and Secondary Market Services Corp. - Hawaii ("SMS Hawaii") (altogether, the "Companies" or "us," "We," "we," "Our," or "our") maintain this product or site on the Internet (the "Site") as a public service for students and parents, financial -aid professionals, education lenders and others interested in access to education. The Companies require that all the visitors to our Site adhere to the following rules and regulations. By accessing the Site, you indicate your acknowledgment and acceptance of these Terms of Use ("Terms"). Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

The Companies reserve the right to modify or discontinue, temporarily or permanently, the Site for any reason, at our sole discretion, with or without notice to you. The Companies likewise may change the terms and conditions of the Terms from time to time with or without notice to you. You agree to review the Terms periodically to ensure that you are aware of any modifications. Your continued access or use of the Site after the modifications have become effective shall be deemed your conclusive acceptance of the modified Terms. You will ensure that your agents, contractors and employees comply with these Terms.

Excepting only the public Web sites maintained by us, by using this online service or Site, you are certifying that you are a financial aid professional, a borrower, a parent of a borrower, or another user with express permission from us to use this Site and that you have authority to view information on this Site. You also certify that the information you access relates only to a student loan applicant, a current student loan borrower or a former student loan borrower with an existing relationship to you. Use of this Site in violation of these certifications constitutes a misrepresentation and will be considered a fraudulent act.

You agree that neither the Companies nor any of our employees, agents, third-party content providers or licensors warrant that the services, or the Site or its contents will be uninterrupted, free of viruses or other harmful code, or error free. We make no warranty that any defects in the software used in the Site will be corrected. We do not make any no warranties as to the results that may be obtained from use of the services, or the Site or its contents, or as to the timeliness, security, sequence, adequacy, accuracy, reliability, or completeness or content of any information obtained therefromor service provided through the services and th