Terms of Use

This Terms of Use Agreement (the “Agreement”) is between you and Rhode Island Student Loan Authority (“RISLA,” “we,” or “us”). This Agreement governs your use of the RISLA website and other websites owned and maintained by RISLA that use this Agreement, including, but not limited to, the College Planning Center of Rhode Island (“CPCRI”) website, RIScholarships search website, RISLA’s online entrance and exit counseling website (the “Sites”) and any services offered on or through the Sites (the “Services”). Unless otherwise stated herein, “Services” shall include the “Sites.”

We provide the Services to you if you comply with all the terms, conditions, and notices included or referenced here, as well as any other written agreement between us and you. Also, when using the Services, you will be subject to any posted rules applicable to any particular Services or materials that may contain terms and conditions in addition to those in this Agreement. 

Your access to and use of the Services will depend upon your acceptance of this Agreement. By accessing or using the Services, you acknowledge that you have read and agree to be bound by the terms and conditions of this Agreement. You represent that you have the legal authority to accept the terms and conditions of this Agreement. If you do not agree to all of the terms and conditions in this Agreement and do not have the legal authority to agree to this Agreement, do not use the Services.

NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT TO THE CONTRARY, RISLA RESERVES THE RIGHT TO CHANGE, SUSPEND, REMOVE, OR DISABLE ACCESS TO ANY SERVICES, PRODUCTS, CONTENT, OR OTHER MATERIALS COMPRISING ANY PART OF THE SERVICES AT ANY TIME WITHOUT NOTICE. IN NO EVENT WILL RISLA INCUR ANY LIABILITY FOR CHANGING, SUSPENDING, REMOVING, OR DISABLING ACCESS TO THE SERVICES. RISLA MAY ALSO IMPOSE LIMITS ON THE USE OF OR ACCESS TO CERTAIN FEATURES OR PORTIONS OF THE SERVICES WITHOUT NOTICE OR LIABILITY. YOU ACKNOWLEDGE AND AGREE THAT IT IS YOUR RESPONSIBILITY TO REVIEW THIS AGREEMENT AND TO FAMILIARIZE YOURSELF WITH ANY MODIFICATIONS. YOUR CONTINUED USE OF THE SERVICES AFTER ANY SUCH MODIFICATIONS WILL CONSTITUTE ACKNOWLEDGMENT YOU ARE AWARE OF AND CONSENT TO SUCH MODIFICATIONS.

RISLA DOES NOT (I) WARRANT OR GUARANTEE THE ACCURACY OR TIMELINESS OF ANY INFORMATION AVAILABLE ON OR FROM THE USE OF THE SERVICES OR (II) MAKE ANY OTHER WARRANTY WITH RESPECT TO THE SERVICES. RISLA PROVIDES THE SERVICES “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE” FOR YOUR USE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR INFRINGEMENT. IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION OF IMPLIED WARRANTIES MAY NOT APPLY TO YOU. 

RISLA DOES NOT GUARANTEE, REPRESENT, OR WARRANT THAT YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, AND YOU AGREE THAT FROM TIME TO TIME, RISLA MAY DENY YOU ACCESS TO THE SERVICES FOR INDEFINITE PERIODS OF TIME OR CANCEL THE SERVICES AT ANY TIME, WITHOUT NOTICE TO YOU. YOU EXPRESSLY AGREE THAT YOUR USE OF, OR INABILITY TO USE, THE SERVICES IS AT YOUR SOLE RISK.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OR ANY OF OUR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE FOR: PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES. 

THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless RISLA, its directors, officers, employees, affiliates, successors, assigns, and agents from and against all losses, expenses, damages, and costs (including reasonable attorneys’ fees) resulting from or relating to any violation of this Agreement, or use or misuse of the Services, by you.

You understand that using the Internet involves certain risks, including security breaches, transmission errors, and interruptions in availability. You accept these risks when using the Services.

Information sent by email may not be secure. If you ask for information by email, you agree to RISLA responding by email if the law allows it. You accept the risk that a third party may intercept the information in the email you send to RISLA or in RISLA’s response. RISLA may choose not to respond by email.

Please do not send or request personal, sensitive, or confidential information by email.

All notices to a party shall be in writing and sent either via email or conventional mail. Email notices to RISLA must be sent to the attention of Customer Service, and written communication must be sent to RISLA, PO BOX 81071, WARWICK, RI 02888-0089.

RISLA may broadcast notices or messages through the Services to let you know of changes to the Services or other matters of importance, and such broadcasts shall be considered notice to you at the time of sending.

If you fail, or RISLA suspects within its sole discretion that you have failed, to comply with any of the provisions of this Agreement, RISLA, at its sole discretion, may terminate or suspend your use of the Sites.

Upon termination or suspension, regardless of the reasons, your right to use the Services immediately ceases and you acknowledge and agree that RISLA may immediately deactivate or delete your access and all related information and files in your account and/or bar any further access to such files or the Services.

No waiver by RISLA of any rights under any term or provision of this Agreement will constitute a waiver to enforce any other provision or right under this Agreement. Neither the parties' course of conduct nor trade practices will act to modify any terms of this Agreement.

This Agreement does not change any other agreements between you and RISLA. If any terms of this Agreement conflict with the terms of another agreement between you and RISLA, then the terms of such other agreement shall control.

The Services (excluding any linked websites accessible via the Services that third parties do not own third parties do not own) are controlled by RISLA from its offices within the State of Rhode Island, United States of America. The Services can be accessed from all fifty (50) states and other countries around the world. By accessing the Services, you agree that the laws of the State of Rhode Island, without regard to conflicts of laws principles, will apply to all matters relating to the use of the Services.

Any suit to enforce the terms of this Agreement shall be brought in a court of competent jurisdiction within the State of Rhode Island. You agree to submit to the exclusive personal jurisdiction of the courts located within the city of Warwick and the County of Kent, Rhode Island. You waive any objections to the exercise of jurisdiction over you by such courts and the venue in such courts.

Any claim shall be litigated, as the case may be, on an individual basis and shall not be consolidated with any other party's claim, whether through class action proceedings or otherwise.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

The above terms and conditions constitute the entire Agreement and understanding between you and RISLA concerning the use of the Sites and Services and supersede all prior agreements and understandings with respect thereto.