Our Proprietary Rights

A.M. Money, Inc Retains All Rights, Title, And Interest To The Site And Services And Any

Updates That May Be Provided To You Under The Terms Of Use. A.M. Money, Inc Reserves All

Rights Not Expressly Granted To You. You And Any Business Or Third Party Subject To The

Terms Of Use Through Your Use Shall Indemnify, Defend And Hold Harmless A.M. Money, Inc

And Its Officers, Agents And Employees From And Against Any Claims, Demands Or Causes Of

Action (A) Alleging Infringement Of Any Third Party Intellectual Property Rights Based On (I)

Your Use Of The Site, (Ii) The Use Of Any Other Software Or Hardware That Is Used In

Conjunction With The Site, (Iii) The Unauthorized Use Of The Site, Or (Iv) Use Of The Site Not

In Conformance With The Specifications Or The Requirements Of The Terms Of Use, (B) Based

On The Unauthorized Use Of The Site By You, Or (C) Based On Or Resulting From A Breach Of

Any Provision Of The Terms Of Use By You.

Disclaimer Of Warranties And Limitation Of Liability

Other Than As Specifically Set Forth Herein, The Services Are Provided “AS IS” And “WITH ALL

FAULTS” And Without Warranty Of Any Kind. You Agree That The Use Of The Services Is At

Your Risk. A.M. Money, Inc MAKES NO WARRANTY OF ANY KIND TO YOU OR ANY THIRD

PARTY, EXPRESS, IMPLIED OR STATUTORY, WITH RESPECT TO THE SERVICES,

OPERATION OF THE SERVICES, OR OUTPUT OF OR RESULTS OBTAINED FROM THE

SERVICES, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OPERABILITY, COMPLIANCE

WITH APPLICABLE LAW OR NON-INFRINGEMENT AND ALL SUCH WARRANTIES ARE

HEREBY EXCLUDED BY A.M. Money, Inc AND WAIVED BY YOU. LIMITATION OF LIABILITY.

OTHER THAN AS SPECIFICALLY SET FORTH HEREIN, IN NO EVENT SHALL A.M. Money,

Inc, ITS AGENTS OR EMPLOYEES, HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY

FOR THE COST OF SUBSTITUTE GOODS OR ANY INCIDENTAL, INDIRECT, PUNITIVE,

SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS,

LOSS OF DATA, LOSS OF USE, LOSS OF BUSINESS OPPORTUNITY OR CLAIMS OF THIRD

PARTIES) ARISING IN ANY MANNER IN CONNECTION HEREWITH, OR OUT OF THE

TERMS OF USE, THE PERFORMANCE OR BREACH HEREOF OR THE SUBJECT MATTER

HEREOF, HOWEVER CAUSED, WHETHER BY NEGLIGENCE OR OTHERWISE,

REGARDLESS OF THE FORM OF ACTION, WHETHER FOR BREACH OF CONTRACT,

BREACH OF WARRANTY, NEGLIGENCE, STRICT PRODUCT LIABILITY, INFRINGEMENT,

GOVERNMENT AGENCY FINES OR ENFORCEMENT ACTIONS OR OTHERWISE, AND

WHETHER OR NOT A.M. Money, Inc HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH

DAMAGES. THIS LIMITATION SHALL APPLY NOTWITHSTANDING ANY FAILURE OF

ESSENTIAL PURPOSE OF ANY LIMITED REMEDY PROVIDED HEREIN. Modification And

Termination Of The Services A.M. Money, Inc May, In Its Sole Discretion, Discontinue Offering

The Services Or Terminate Or Suspend Your Access To The Site At Any Time. A.M. Money, Inc

Reserves The Right To Change Or Modify Any Of The Terms And Conditions Contained In The

Terms Of Use At Any Time, In Its Sole Discretion. You Are Advised To Regularly Review The

Policy. You Accept Modifications Of The Terms Of Use Through Online Acceptance Of The

Terms Or Through Your Continued Use Of Any Part Of The Site Following The Posting Of Any

Such Changes Or Modifications.

Privacy and Collection of Information

A.M. Money, inc collects information about you through your use of the Site and Services. By

using the Siteand Services, you agree that A.M. Money, INC may retain, use, and publish

information collected through your use of the Site and Services in accordance with the A.M.

Money Privacy Policy, located at https://chicagostudentloans.com/privacy-policy

Consent to Telephone Calls, Recording of Telephone

Calls and SMS Messages (text messages)

You acknowledge that by voluntarily providing your telephone number(s) to Credible,

you authorize us and our Providers agents and representatives to call and/or send text

messages, even if your telephone number is registered on any state or federal Do Not

Call list, in order to provide you with information regarding your Account, application,

loan, closing, any product or services inquires, any transaction with us and with our

Providers. You expressly authorize us and our Providers to make such contacts using

any telephone numbers you have supplied or will supply to us or our Providers in

connection with your Account. You understand that anyone with access to your

telephone may listen to or read the messages we leave or send you and you agree that

we will have no liability in connection with third parties accessing your telephone.

You acknowledge that alerts sent via SMS may not be delivered if your carrier does not

support short code communications, if your mobile phone is not in range of a

transmission site, or if network capacity is not available or insufficient at a particular

time. Additionally, you acknowledge that factors beyond the control of your wireless

carrier may interfere with message delivery, including your equipment, terrain, proximity

to buildings, foliage, and weather. You understand that your wireless carrier does not

guarantee that alerts will be delivered and will not be liable for delayed or undelivered

messages. If you have any questions about your text plan or data plan, it is best to

contact your wireless provider.

THIRD PARTIES

The Website contains links to third-party websites that are not governed or

controlled by A.M. Money INC. You represent and warrant that you have read

and agree to be bound by all applicable terms of use and policies for any third-

party website that relates to your use of the Website. A.M. Money INC

assumes no control or liability over the content of any third-party sites. You

expressly hold harmless A.M. Money INC from any and all liability related to

your use of a third-party website.

Prior to engaging in any commercial transactions with any third-parties

discovered through or linked on the Website, you must complete any

necessary investigation or due diligence. If there is a dispute for any

commercial transactions with a third-party discovered through or linked on the

Website, you expressly hold A.M. Money INC harmless from any and all

liability in any dispute.

Nothing provided on the Site or through the Service should be construed or interpreted

as professional advice or recommendations (i.e., we are not providing any financial, tax,

or legal recommendations or advice or other professional advice). We are not liable to

you for any advice provided to you by Providers or other third parties you may link to

from our Site. We encourage you to consult a financial service provider, tax or legal

professional to help you make any decisions associated with the use of the Service or

the products and services provided by Providers.

Federal Aid

With respect to student loans and student loan refinancing, keep in mind that Federal

loans come with many benefits and protections such as deferment, forbearance and

loan forgiveness programs which will be lost when refinancing into a private loan option

or obtaining private student loans. While some private lenders offer some of these same

benefits as Federal Aid, not all do. Therefore, it is your responsibility to review the

Provider’s disclosures carefully before taking out a private loan. For more information on

Federal student loans visit  studentaid.gov .

Provisions:

Enforceability And Survival

Should Any Provision Of The Terms Of Use Be Held By A Court Of Competent Jurisdiction To Be

Illegal, Invalid, Or Unenforceable, That Provision Shall Be Deemed Amended To Achieve As

Nearly As Possible The Same Economic Effect As The Original Provision, And The Legality,

Validity And Enforceability Of The Remaining Provisions Of The Terms Of Use Shall Not Be

Affected Or Impaired Thereby. The Failure Of Either Party To Enforce Any Term Or Condition Of

The Terms Of Use Shall Not Constitute A Waiver Of Either Party's Right To Enforce Each And

Every Term And Condition Of The Terms Of Use. No Breach Under The Terms Of Use Shall Be

Deemed Waived Or Excused By Either Party Unless Such Waiver Or Consent Is In Writing

Signed By The Party Granting Such Waiver Or Consent. The Waiver By Or Consent Of A Party

To A Breach Of Any Provision Of The Terms Of Use Shall Not Operate Or Be Construed As A

Waiver Of Or Consent To Any Other Or Subsequent Breach By Such Other Party. The Parties

Agree That The Terms Of Use States The Entire Agreement Between The Parties With Respect

To Its Subject Matter And Supersedes All Prior Agreements And Representations Of The

Parties, Oral Or Written. The Terms Of Use May Only Be Amended In A Writing Signed By Duly

Authorized Representatives Of Both Parties. The Terms Of Use Shall Be Binding Upon And

Inure To The Benefit Of The Parties' Authorized Successors, Legal Representatives, And

Authorized Assigns.

Notices

All Notices, Demands, Requests, Consents Or Other Communications Required Or Permitted By

The Terms Of Use (“Notices”) Shall Be In Writing And Sent To The Parties At Their Current

Known Addresses, Or To Such Other Address Or Electronic Address As Either Party May

Specify In Writing. Notices Shall Be Deemed Duly Served On Or Delivered (1) When Delivered

To The Most Recent Email Address Provided By That Party, (2) When Delivered Personally, (3)

When Sent To The Other Party By Certified Mail, Return Receipt Requested, (4) When Delivered

By Hand Or Sent By Recognized Overnight Courier (With Acknowledgement Received By The

Courier), Or (5) Sent By Facsimile, Electronically Confirmed And Followed Up Immediately By

Standard United States Mail.