Terms of Use

AccessLex Institute d/b/a Access Group and Access Group Education Lending^®, (“Access Group” or, the “Company”), a non-profit corporation, maintains this website, www.accessgroup.org (the “Site”), to provide individuals who have Access Group student loans, and Access Group loan investors, with general information about Access Group, with information on third-party loan servicing and collections, and with investor reporting information.

Please read these terms of use ("Terms of Use") carefully. These Terms of Use include important disclosures and information regarding your use of this Site and any portion thereof. Your access to or use of the Site and/or any portion thereof (collectively referred to herein as “Access Group Content”) is expressly conditioned on your agreement to abide by these Terms of Use and by the terms in the Site Privacy Policy (the "Privacy Policy"). These Terms of Use along with the Privacy Policy constitute the entire agreement between you and the Company concerning your access to and use of Access Group Content.

CONTINUING USE OF ACESS GROUP CONTENT ACTS AS YOUR CONSENT

By using Access Group Content, you acknowledge that you have read and understand these Terms of Use and the Site's Privacy Policy, and you confirm your unconditional acceptance of same, including all updates and amendments. If you do not agree to abide by the Privacy Policy or these Terms of Use, please do not continue using any portion of Access Group Content.

Failure to comply with these Terms of Use and/or the Site Privacy Policy may, among other things, result in the immediate termination of your access to and use of Access Group Content, or any portion thereof, at the Company's sole discretion.

Access, Use and your Warranties and Representations

By using or accessing Access Group Content, you represent, warrant and agree that:

All information that you provide to the Company in connection with your access to and use of Access Group Content is true, accurate and complete to the best of your knowledge, ability and belief;
You are a resident of the United States, 18 years of age or older;
You are using Access Group Content solely for personal, non-commercial use (investor business use permitted);
You will not share, transfer or disseminate any portion of Access Group Content for any purpose that is inconsistent with these Terms of Use;
You are not using Access Group Content, or any portion thereof, for the benefit of, or at the direction of, a Company competitor;
You are not using Access Group Content for any unlawful purpose;
You will not use any robot, spider, scraper or any other automatic or computer-generated device or manual process to monitor or copy Access Group Content, or any portion thereof, without the Company's express written permission;
You will not use any device, software or routine to interfere or attempt to interfere with the proper working of Access Group Content or any transaction being conducted on the Site or otherwise through the Site or any part thereof;
You will not take any action to (i) reverse engineer, decompile, or disassemble any content on the Site or that is otherwise available in connection with Access Group Content; (ii) make any attempt to circumvent the technological measure(s) that controls access to or use of the Site content; (iii) store, cache, use, upload, distribute, or sublicense Access Group Content; or (iv) publish or in any other way publicly communicate the results of benchmark tests run on beta or staging environments of the Site (or some other part of Access Group Content) without the prior written permission of the Company.

User Content and Additional Warranties by You

Any content that you may submit or upload through the Site, such as personal information, comments, investor-related information ("User Content"), may be used by the Company in accordance with the Privacy Policy as defined herein. By submitting User Content via this Site, you grant the Company and the Site's host, if applicable, an irrevocable, royalty-free, perpetual, transferable, license to use, modify, create derivative works from, publish, display and sublicense User Content, in whole or in part, in any format and on any platform either now known or hereinafter invented, and to associate User Content with your name and/or likeness, subject to any applicable legal restrictions.

You are solely responsible for your User Content. You represent that you have the right to submit User Content to us and the right to grant us the license described above. You warrant that User Content, and our use thereof, does not and will not infringe any patent, trademark, trade secret, copyright, or other intellectual or proprietary or privacy right of any party or individual. You further represent and warrant that you will not share any User Content that is lewd, inappropriate, defamatory, disparaging, inappropriate, discriminatory, obscene, offensive, or grossly disrespectful of others.

License Grant by the Company

If you register for an account to obtain full access to the investor materials available through the Site ("Investor Content"), the Company grants you a non-transferable license to access and use this Investor Content solely for your investor-related business use or as otherwise required by law or your contractual obligations. You may not transmit, copy, display, or otherwise relate any portion of the Investor Content to any other individual, group or company. By using Access Group Content, including Investor Content, you are acquiring no other right to use artwork, designs, trade secrets, trade names, copyrighted materials, trademarks, or service marks of the Company or any of its affiliates, business partners, or agents.

Termination of Company's License

The license granted to you herein will terminate automatically in the event that the Company, in its sole discretion, determines that you are in violation of these Terms of Use, or any portion thereof, or at the conclusion of your license period. You may terminate or cancel the license granted to you herein by discontinuing use of Access Group Content. In the event of such termination, you agree to promptly delete and destroy all copies of any portion of Access Group Content that you may have previously copied, downloaded or printed or otherwise converted. Such termination will not relieve you of your continuing obligations as set out in these Terms of Use, or in any investor or similar underlying agreements.

Username and Password

If you register for an account within the Site, you will need to create a username and password to access Investor Content. This may be a multi-step process with several sets of username and password credentials, and/or security questions. You may not share your username and password with anyone, for any reason, with the exception of sharing these credentials with Company employees or representatives in connection with your request for technical support. Additionally, you are responsible for maintaining adequate security measures to ensure that your password and username are kept confidential, and for ensuring that your actions or inactions do not result in a third-party's unauthorized access to the Investor Content or any portion thereof. If, at any time, you learn or suspect that your username and password have been disclosed or otherwise made known to any person other than yourself, you agree to immediately (1) change your password to prevent further unauthorized access to your account; and (2) notify the Company of any breach of security relating to your use of Access Group Content by emailing us at LegalNotices@accesslex.org.

Additionally, you agree that the Company will not be responsible for any damages, whether direct, indirect, incidental, consequential, special, exemplary, punitive or other damages, arising out of, resulting from or relating to any use of your password by a third-party, whether authorized or unauthorized.

Site Changes

The Company reserves the right and may update, revise, and modify Access Group Content from time-to-time and without notice.

Use of Artificial Intelligence Platforms - PROHIBITED

No part of Access Group Content, including Investor Content, may be uploaded to, or otherwise shared by you with any generative artificial intelligence platforms or providers, such as ChatGPT.

Copyright and Trademark Notice

All Access Group Content logos and marks are the trademarks, service marks, and logos of the Company. You may not use, copy, display, distribute, modify or reproduce any of the copyrighted materials or trademarks contained in the Site, except as authorized by the Company in writing in each instance.

Unauthorized use or misuse of copyrighted or licensed Access Group Content, in whole or in part, is a violation of the copyright owners' rights and could subject you and others who are involved to criminal and civil penalties.

Security Disclaimer

Although the Company uses security measures to protect your personal information from unauthorized access and use, no method of electronic transmission or storage is one hundred percent secure. Therefore, your use of Access Group Content, including providing any personal information, is at your own risk and we cannot guarantee that your information will always remain private. You agree that in the event of an unauthorized third-party compromise of our security measures, the Company will not be responsible for any damages, whether actual or consequential, as may result from or relate to such unauthorized access.

Technical Requirements

You will be responsible for meeting and maintaining the minimum technical requirements in order to access certain features of this Site. Access to this Site may require internet access, for which the Company is not responsible.

The Company does not warrant that the Site, or any portion thereof, will be available and/or functioning properly at all times. You agree not to seek a refund of any payment even if you are unable to access or use the Site, or any portion thereof, on one or more occasions.

DISCLAIMER, LIMITATION OF LIABILITY AND INDEMNIFICATION

BY USING THE SITE, YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR ITS USE BY YOU. THE SITE AND ALL ACCESS GROUP CONTENT AND INFORMATION CONTAINED HEREIN IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. THE COMPANY IS NOT RESPONSIBLE FOR THE DELETION OF OR FAILURE TO STORE ANY DATA OR OTHER INFORMATION PROVIDED BY YOU ON THE SITE. THE COMPANY DOES NOT MAKE ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES THE COMPANY MAKE ANY WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE. YOUR NEEDS AND REQUIREMENTS MAY BE DIFFERENT DEPENDING ON YOUR PARTICULAR CIRCUMSTANCES AND THE COMPANY DOES NOT GUARANTEE THE APPLICABILITY OR ACCURACY OF INFORMATION PROVIDED IN OR THROUGH ACCESS GROUP CONTENT TO YOUR PARTICULAR CIRCUMSTANCES.

THE COMPANY AND ITS AFFILIATES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO ACCESS GROUP CONTENT OR ANY PART, ASPECT OR COMPONENT THEREOF, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH ACCESS GROUP CONTENT OR ANY PART, ASPECT OR COMPONENT THEREOF IS TO STOP USING ACCESS GROUP CONTENT. IN NO EVENT WILL THE COMPANY'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNTS PAID BY YOU TO PURCHASE ACCESS TO ACCESS GROUP CONTENT.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS THE COMPANY AND ITS RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, ARISING OUT OF OR RELATING TO USE OF THE SITE BY YOU OR ANY BY ANY OTHER PERSON USING YOUR NAME AND/OR PASSWORD.

Consent to Application of U.S. Law

The Company is a U.S.-based Company incorporated and operated in accordance with U.S. law. The Company’s lending operations, which were suspended in 2010, were intended for individuals intending to apply to or study at U.S.-based Law Schools. Accordingly, if you are located outside the U.S., you agree that your use of Access Group Content is at your own risk. Furthermore, by using Access Group Content, you consent to your information being collected, processed, stored and transferred as set forth herein and in the Privacy Policy as set forth above, and consent to the application of U.S. law to same.

Choice of Law and Venue

These terms and conditions are entered into in the Commonwealth of Pennsylvania and shall be governed by and construed in accordance with the laws of the State of Delaware, exclusive of its choice of law rules. By using Access Group Content, should you have a dispute with the Company, you agree to submit to the exclusive jurisdiction of the state courts in Chester County, Pennsylvania or the federal court in the Eastern District of Pennsylvania and waive any jurisdictional, venue or inconvenient forum objections to such courts. In the event that any of these Terms and Conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the extent necessary so that these terms and conditions, and the content of our Privacy Policy, shall otherwise remain in full force and effect.

Changes to Terms

We expressly reserve the right to update or amend these Terms of Use from time to time. All such updates and amendments are effective immediately. We will provide you with notice of any amendments/updates by any reasonable means, such as posting a revised version of the Terms on the Site. You should view these Terms of Use periodically to stay informed of changes that may affect you, as your continued use of Access Group Content signifies your continuing consent to be bound by these Terms of Use, including any updates and amendments as noted above.

Rev: December 2023