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Website Terms of Use

Effective date: September 30, 2025

Step 1 Scholarship SearchSM (the "Service") is a free online search tool provided by Iowa Student Loan Liquidity Corporation, an Iowa nonprofit doing business as ISL Education Lending (referred to as "Step 1" or "ISL"), in an unaffiliated collaboration with ICAN (collectively referred to as "we", "our", or "us"), located at www.Step1Scholarships.org ("Website"). Use of Step 1 is governed by our Website Terms of Use and Online Privacy Statement ("Terms"), along with other potentially applicable agreements, terms and conditions as described below.

  1. INTRODUCTION

    These Terms, as amended from time to time, govern your access to and use of our Service. We require all visitors to our Website to agree to and comply with these Terms. Please read our Terms carefully. Your right to use the Website is personal to you. You represent and warrant that you have the legal authority to agree to the Terms and to use this Website. You acknowledge and agree to be bound by these Terms by accessing, downloading, registering, signing into, browsing or using the functionality of our Website. If you do not agree with these Terms, you may not use this Website or its functionality. By accessing or creating your Step 1 Account (defined below), or otherwise using the functionality of the Website, you indicate your acceptance of these Terms, which constitutes a legal agreement between you and us.

  2. SERVICE TERMS
    1. Account Creation. Step 1 is a free online search tool with ability for you to personalize searches in order to find scholarships tailored to your interests and settings, and to save scholarships of interest. By giving us your Personal Information (defined below) through creation of an account or use of our Service, you understand that we may save and share your Personal Information as permitted by our Terms and Online Privacy Statement. We do not sell your Personal Information.
      1. To use all functionalities of our Service, you must create an email-based account ("Step 1 Account") and be at least 13 years old. When you create your Step 1 Account, you must provide your legal name, email address, mail address and other details ("Personal Information"). If you need to contact us to reset passwords or troubleshoot some account issues, email contact@step1scholarships.org.
      2. You legally represent and warrant: (i) you are at least 13 years old; (ii) you reside or are in the United States; (iii) you have not been suspended from ISL's websites or removed from our Service; and (iv) your use of our Service will comply with all applicable laws, rules and regulations.
      3. You agree to use our Service appropriately and consistent with these Terms. Any non-compliance will not be tolerated. You understand that we may deactivate, suspend, or block you from using our Service in the event of any non-compliance with any of these Terms. We further describe how you may or may not use our Website in these Terms.
      4. If you are under the age of 13, your parent or legal guardian needs to consent to use our Service and may need to create a separate account to do so.
      5. You understand that you are solely responsible for submitting applications to the scholarships featured in Step 1, and that we do not provide any personal services or guidance to assist you with such applications. We are not responsible for any errors or omissions in your scholarship applications.
    2. Sharing or Forwarding Scholarships. If you opt to share or forward scholarships to others using Step 1, we may include your first name and the first initial of your last name in the forwarded communication. By using the forward option, you consent to your name being shared with the person to whom you forwarded the scholarship. We reserve the right to limit how many scholarships may be forwarded. Note that you can opt out of receiving forwarded communications using a link we provide.
    3. Affiliated Websites and Additional Services. In addition to this Step 1 website, ISL and its subsidiary, Aspire Resources Inc., and our affiliates, provide access to, and use of, certain websites and subdomains that we own and control that offer products, services and functionality ("Additional Services"). Those websites include, without limitation, www.IowaStudentLoan.org, www.AspireServicingCenter.com, www.AspireResourcesInc.com, iowastudentloan.org, aspireservicingcenter.com, aspireresourcesinc.com, studentloan.org, studentloancoach.info, ilinksupport.org, ilinkiowa.org, resetrefinance.com, resetrefinance.org, simplesolutionforyou.com, partnershiploan.org and sp3.org.

      You may use this Website to learn about the Additional Services that we may make available on the other websites that we provide and to create online access to your other website accounts with us. If you are creating or accessing an online account for another website through this Website, additional terms and conditions for the other website may apply.

    4. Third-Party Content and Websites. This Website and Service may use text, images and other material ("Content") of a third-party and links to third-party websites that are integrated with or presented on this Website in order to support our Service and your Step 1 Account. Please be advised that the third-party sites are independent of this Website and that we exercise no control over the those sites or their availability. The Content of third-parties shall continue to belong to and be owned by each respective third-party with rightful claims to such Content.

      We hereby disclaim liability for any information, materials, products or services posted or offered at any of the third-party sites linked to this Website or integrated within the Service. By creating a link to a third-party website, we do not endorse or recommend any products or services offered or information contained at that website and disclaim any liability for products or services offered or advertised at those sites.

    5. Marketing Preferences. We may ask you to indicate your preferences for how we can market to you. Once you have indicated your preferences, we will endeavor to honor your request. All marketing will be done in accordance with applicable state and federal laws that include, without limitation, COPPA and CAN-SPAM. Note that if you opt-in to email marketing when you create your Step 1 Account, you consent to receive emails from ISL and from ICAN. There is more information about emails in Section IV., below.
    6. Communications to You. We collect and use your Personal Information as authorized by you and as permitted by the Online Privacy Statement. Please email Privacy@StudentLoan.org with any questions about marketing preferences.
    7. While certain portions and features of the Service can be accessed without creating or using your Step 1 Account (such as financial literacy, scholarship or college planning information), we may require that you register and/or set up an account/profile to access, visit and/or use certain portions of the Service and other websites and related features that we make available to you.
    8. You agree to provide current, accurate, and complete information about yourself when you create your Step 1 Account and use the Service or to perform any other function on this Website and other websites that we control. You do not automatically qualify for a scholarship offered by ISL or any other providers or sponsors featured in Step 1 by merely creating Step 1 Accounts or submitting any of the forms that we may provide through the Website, and we make no guarantees regarding entries to any scholarships featured in Step 1. All scholarships are governed by separate rules that are not covered by your use of Step 1.
    9. You agree, represent, warrant and guarantee that all Personal Information provided by you is true, accurate, complete, up-to-date and solely yours. You may not impersonate, imitate or pretend to be somebody else when registering and/or setting up an account/profile on the Service or any of our websites. If any of your Personal Information changes, you must update it promptly through your Step 1 Account or by emailing us at contact@step1scholarships.org, if available.

      WE AND OUR INDEMNITEES (AS DEFINED BELOW), SHALL HAVE NO LIABILITY ASSOCIATED WITH OR ARISING FROM YOUR FAILURE TO MAINTAIN ACCURATE, COMPLETE OR UP-TO-DATE REGISTRATION INFORMATION, INCLUDING WITHOUT LIMITATION YOUR FAILURE TO RECEIVE CRITICAL INFORMATION. NEITHER WE NOR OUR INDEMNITEES SHALL BE RESPONSIBLE FOR VERIFYING YOUR REGISTRATION INFORMATION.

    10. We reserve the right at any time, with or without notice, to remove or require a change to, or repossess, any passwords and/or usernames that have been provided to you, any avatars you may be using, or otherwise change the access means or methods for the Service.
    11. We do not guarantee that all potentially applicable scholarships are included within the Service. Further, we reserve the right, in our sole discretion, to remove scholarships from the Service. Because of this, you understand and agree that you may not be shown all of the scholarships that are possibly available throughout the contiguous United States. We cannot guarantee that all scholarship data is completely accurate. Your saved results will automatically update when scholarships are no longer available, whether for reasons in or out of our control.
    12. You will be solely responsible for maintaining the security of your account/profile. You may not authorize or permit anyone else to access, visit and/or use the Service by use of your account/profile and/or Personal Information. You may not access, visit and/or use the Service by use of anyone else's account/profile and/or Personal Information. You may not sublicense, transfer, sell, rent or assign your account/profile to any third-party without our written approval. Any attempt to do so will be null and void and shall be considered a material breach of these Terms, and may result in termination of your account(s) with us.
    13. You are solely responsible for all access or visitation to, usage of, or activity on your account/profile including, but not limited to, use of the account/profile by any person who uses your Personal Information, with or without authorization, or who has access to any computer, mobile or other device on which your account/profile resides or is accessible. You acknowledge and agree that we may, and you specifically authorize us to, process all transactions that are initiated by use of your account/profile or Personal Information.
    14. If you have reason to believe that your account/profile is no longer secure (for example, in the event of a loss, theft or unauthorized disclosure or use of your Personal Information), you must immediately make changes to your account/profile to secure it from unauthorized use or contact us by email at contact@step1scholarships.org and/or privacy@studentloan.org.
  3. MOBILE PARTICIPANTS

    You understand and agree that various entities unaffiliated with us make up the "mobile ecosystem" that enables you to access, visit and/or use the Service via your computer, mobile or other device, including without limitation equipment, hardware and software manufacturers and providers, telephone, mobile, wireless and internet network providers and carriers, and sellers or providers of Content for use with the Service (collectively, the "Mobile Participants"). We do not represent, warrant or guarantee that all portions of this website or the Service, or the Service as a whole, can be accessed via all mobile or other devices or via all carriers and service plans or is available in all geographic locations. THE MOBILE PARTICIPANTS MAY REQUIRE THAT YOU AGREE TO THEIR ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES. YOUR COMPLIANCE WITH ANY SUCH ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES IS SOLELY YOUR RESPONSIBILITY AND WILL HAVE NO EFFECT ON YOUR CONTINUING OBLIGATION TO COMPLY WITH OUR TERMS WHEN USING THE SERVICE. WE AND OUR INDEMNITEES SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY IN CONNECTION WITH THE ACTS OR OMISSIONS OF SUCH MOBILE PARTICIPANTS. Standard data rates may apply.

    We have agreements with some Mobile Participants that require us to make certain disclosures and pass along certain responsibilities to you. For such Mobile Participants, you specifically acknowledge and agree that: (i) these Terms are between us and you, and the Mobile Participants are not parties to them; (ii) the Mobile Participants and their parents, subsidiaries and affiliates are third-party beneficiaries of the Terms and upon your acceptance of the terms and conditions of them, the Mobile Participants will have the right (and will be deemed to have accepted the right) to enforce the Terms against you; (iii) the permission granted to you under these Terms is limited to a non-transferable permission to use the Service on the particular device you own and/or control as authorized by the applicable Mobile Participant and as permitted by such Mobile Participant's applicable usage rules; (iv) Mobile Participants have no obligation whatsoever in connection with the functionality or content of the Service, or to furnish any maintenance or support services with respect to the Service; (v) Mobile Participants are not responsible for addressing any claims, losses, liabilities, damages, costs or expenses by you or a third-party relating to the Service or your possession, access, visitation and/or use of the Service, including without limitation (a) product liability claims; (b) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation; and (vi) in the event of any third-party claim that the Service or your possession, access, visitation and/or use of the Service infringes such third-party's intellectual property rights, Mobile Participants are not responsible for the investigation, defense, settlement and/or discharge of such claim.

  4. COMMUNICATIONS TO YOU
    1. The communications between you and us will primarily be by electronic means, including email, messaging, and posting notices on the Service. By using the Service, you hereby (a) consent to receive communications from us in electronic form, and (b) agree that all notices, documents, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if they were in writing. Your consent to receive communications and do business electronically, and your agreement to do so, applies to all of your interactions and transactions with us.
    2. You understand and agree that using the Service may include receiving certain communications from us, such as messages about your account/profile, and that these communications are considered part of your account/profile and you may not be able to opt out of receiving them without ceasing to be a registered user of the Service. You may email privacy@studentloan.org in the event you wish to stop receiving certain emails that do not specifically relate to your use of our Service or Step 1 Account.
    3. We are not responsible or liable for communications that are undelivered, damaged, delayed, misdirected, garbled, illegible, late, or messages we do not receive from you for any reason, including as a result of a malfunction of hardware, software, browser, or network, a system failure, technological delays, outages, or congestion, or as a result of incompatibility with ISL's servers, network or equipment.
    4. If you chose to receive text messages from ISL, note that you agreed to the SMS Terms and Conditions, incorporated herein by this reference.
    5. If you chose to receive electronic communications from us, note that you agreed to the Electronic Communications Disclosure, incorporated herein by this reference.
  5. MONITORING AND COMPLAINTS ABOUT THE SERVICE AND THE CONTENT
    1. Monitoring. We strive to provide an enjoyable online experience for our users, so we may monitor activity on the Service to foster compliance with these Terms. You hereby specifically agree to such monitoring. Nevertheless, we do not make any representations, warranties or guarantees that: (1) the Service, or any portion thereof, will be monitored for accuracy or unacceptable use, or (2) we will take any specific action (or any action at all) in the event of a challenge or dispute regarding compliance or non-compliance with these Terms.
    2. What to Do if You Have a Concerns About Copyright or Cybercrime
      1. Copyright: If you have reason to believe that your Content has been copied and/or is accessible on the Service in a way that constitutes copyright infringement, or that the Service contains links or other references to another site, application, destination or service that contains Content or activity that infringes your copyright rights, you may notify us by providing a document via fax, first class U.S. mail, or email that includes the following information (as required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. sec. 512) to our copyright agent set forth below:
        1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
        2. Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at the Online Service are covered by a single notification, a representative list of such works at the Online Service.
        3. Identification of the copyrighted work that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate such copyrighted work.
        4. Information reasonably sufficient to enable us to contact the complaining party, such as an address, telephone number and, if available, an email address at which the complaining party may be contacted.
        5. A statement that the complaining party has a good faith belief that use of the copyrighted work in the manner complained of is not authorized by the copyright owner, its agent or the law.
        6. A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

          Copyright Agent: Nyemaster Attn: Wendy Marsh (wmarsh@nyemaster.com)

          Note: Only copyright complaints should be sent to this agent.

      2. Cybercrime: If you have reason to believe you may be the victim of an online crime, such as identity theft, fraud, infringement or hacking, you may contact the Internet Crime Complaint Center, at www.ic3.gov, a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA).

        3. IMPORTANT: FALSE OR INACCURATE ACCUSATIONS THAT OTHERS HAVE COMMITTED A CRIME, INAPPROPRIATE ACT OR VIOLATION OF THIS AGREEMENT, COULD BE A VIOLATION OF CRIMINAL AND/OR CIVIL LAW OR OTHERWISE EXPOSE YOU TO LIABILITY FOR DAMAGES (INCLUDING COSTS AND ATTORNEYS' FEES).

  6. RULES OF USAGE:
    1. Use of the Service by You
      1. The Service is not intended for users under the age of 13, and we do not knowingly collect personally identifiable information from users under the age of 13. Anyone under the age of 13 should not use the Service, or other websites for Additional Services provided by ISL unless expressly granted permission via terms of such websites.
      2. You shall ensure that all equipment, hardware, software, products and/or services you use to access, visit or use the Service or any other website we provide does not disturb or interfere with our operation of the Service or impede or interfere with others' access, visitation and/or use of the Service. We reserve the right, in addition to our other remedies, with or without notice, to immediately disconnect from the Service any equipment, hardware, software, product and/or services causing interference with us, our licensors, vendors, service providers, the Service or any Content.
      3. If you provide to us the number for a mobile or other device, or we obtain the device identifier for a device you are using, you agree, represent, warrant and guarantee that such device is registered in your name and owned by you or that you have permission of the device owner(s).
      4. Unless otherwise specified, the Service is intended for your personal, non-commercial use only. You are solely responsible for all usage of, or activities on, the Service by you.
      5. You may not transmit any materials or information to this site that infringes on any copyright or other proprietary rights of any other person or entity. You are responsible for respecting and adhering to state, federal and international laws. Any attempt to break these laws may result in prosecution or litigation against the offender by the proper authorities. We will fully cooperate with the authorities to provide any information necessary for any such prosecution or litigation process.
    2. Use Restrictions; Prohibitions
      1. Absent our prior written consent, you may not, nor may you allow, enable, authorize, instruct, encourage, assist, suggest, inform or promote that others, directly or indirectly, do any of the following for any reason:
        • Use any bots, cheats, macros or scripts; run Maillist, Listserv or any form of auto-responder; use any other automated process; or engage in meta-searching or periodic caching of information to access, visit and/or use the Service, including without limitation to post, upload, transmit, send, or otherwise make available Content on or through the Service.
        • Copy, harvest, crawl, index, scrape, spider, mine, gather, extract, compile, obtain, aggregate, capture or store any Content, including without limitation photos, images, text, music, audio, videos, podcasts, data, software, source or object code, algorithms, statistics, analysis, formulas, indexes, registries, repositories or any other information available on or through the Service, including by an automated or manual process or otherwise, if we have taken steps to forbid, prohibit or prevent you from doing so.
        • Copy, reproduce, modify, change, edit, crop, alter, revise, adapt, translate, enhance, reformat, remix, rearrange, resize, create derivative works of, move, remove, delete or erase any copyright, trademark or other proprietary legends, symbols, marks or notices on the Service or attempt to circumvent any mechanisms for preventing the unauthorized reproduction or distribution of Content.
        • Access, other than connecting to our servers by http/https requests using a browser, or disrupt, overwhelm, attack, hack, destroy, damage, disable, impair, alter, tamper or interfere with the Service including without limitation any Content, communications, messaging, programming, hardware, functionality or features on our networks, servers or databases or impede or interfere with others' access, visitation and/or use of the Service, in any way or by any means, whether remotely or by access to our personal property, premises or otherwise, including, without limitation, by using administrator passwords or by masquerading as an administrator while using the Service or otherwise.
        • Post, upload, transmit, send or otherwise make available on or through the Service any software disabling devices, time bombs, Trojan horses, cancelbots, viruses, worms, ransomware, bugs, corrupted files, spyware, adware, malware, malicious programs or code, or devices or defects of similar nature.
      2. CAUTION: ANY ATTEMPT TO DO ANY OF THE FOREGOING PROHIBITED ACTS, OR TO OTHERWISE UNDERMINE THE OPERATION OF THE SERVICE, MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW. SHOULD SUCH AN ATTEMPT BE MADE, WE RESERVE THE RIGHT, IN ADDITION TO OUR OTHER REMEDIES, TO SEEK DAMAGES (INCLUDING WITHOUT LIMITATION ATTORNEYS' FEES) OR INJUNCTIVE RELIEF FROM ANY SUCH INDIVIDUAL OR ENTITY TO THE FULLEST EXTENT PERMITTED BY LAW, OR TO REFER ANY SUCH PERSON OR ENTITY TO THE PROPER AUTHORITIES FOR PROSECUTION.
      3. You may use our link to the Step 1 website by accessing a text link that leads you to the login homepage, or any other webpage contained in the Step 1 website or any of our Additional Services, provided that the link you create and the webpages activated by the link do not: (i) duplicate our Content; (ii) frame or create a border around our Content or any webpages associated with our sites, or use other techniques that alter in any way the visual presentation or appearance of any of our Content; (iii) misrepresent your relationship with us or otherwise create a false affiliation, connection or association with us; (iv) imply that we approve or endorse you, your website or the content contained thereon, or have affiliation with your products or services; (v) present false or misleading impressions about us or otherwise damage any goodwill associated with our name, any websites that we provide, ISL's and other scholarships, this Service and the Additional Services, or trademarks; (vi) use our trademarks in page text, metatags or hidden text in order to gain higher rankings from search engines; or (vii) use our name, trademarks, or your relationship with us, in a promotional manner without our prior written permission.
      4. If you breach, violate, fail to follow or act inconsistently with these Terms, we may terminate, discontinue, suspend or restrict your Account and/or your Account access, or any other use of the Service or the Additional Services, in addition to all other remedies available to us by law.
    3. Indemnification. You agree to indemnify, defend and hold harmless us, our licensors, vendors, service providers and each of our and their respective officers, directors, members, employees, independent contractors and subcontractors, agents, representatives, successors and assigns (collectively, "Indemnitees") from and against any and all claims, disputes, demands, proceedings, cause of action, judgments, damages, liabilities, losses, costs or expense (including but not limited to reasonable attorneys' fees) of any kind and nature, known or unknown, suspected or unsuspected, disclosed or undisclosed (collectively, "Claims") that may arise out of or are in any way connected with your access, visitation and/or use of the Service, our Content, unauthorized use of Content obtained on or through the Service, breach or alleged breach of these Terms or from any of your acts or omissions in connection with the Service.
    4. Disclaimer of Warranty and Limitation of Liability
      1. CERTAIN FEATURES, FUNCTIONALITY AND/OR CONTENT OFFERED ON OR THROUGH THE SERVICE MAY BE HOSTED, ADMINISTERED, RUN OR OTHERWISE PARTICIPATED IN BY THIRD PARTIES. THESE SERVICE PROVIDERS MAY REQUIRE THAT YOU AGREE TO THEIR ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES. YOUR COMPLIANCE WITH ANY SUCH ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES IS SOLELY YOUR RESPONSIBILITY AND WILL HAVE NO EFFECT ON YOUR CONTINUING OBLIGATION TO COMPLY WITH THESE TERMS WHEN USING THE SERVICE. WE AND OUR INDEMNITEES SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY IN CONNECTION WITH THE ACTS OR OMISSIONS OF SUCH THIRD PARTIES.
      2. YOU ACKNOWLEDGE THAT YOU ARE USING THE SERVICE AT YOUR OWN RISK. THE SERVICE IS PROVIDED "AS IS," "WITH ALL FAULTS" AND ON AN "AS AVAILABLE" BASIS, AND WE AND OUR INDEMNITEES HEREBY EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, AND GUARANTEES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF ACCURACY, RELIABILITY, TITLE, MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OR ANY OTHER WARRANTY, CONDITION, GUARANTEE OR REPRESENTATION, WHETHER ORAL, IN WRITING OR IN ELECTRONIC FORM, INCLUDING BUT NOT LIMITED TO THE ACCURACY OR COMPLETENESS OF ANY CONTENT CONTAINED THEREIN OR PROVIDED BY US OR THE SERVICE. WE AND OUR INDEMNITEES DO NOT REPRESENT, WARRANT OR GUARANTEE THAT ACCESS TO THE SERVICE AND/OR COMMUNICATIONS OR MESSAGING FROM OR TO US OR YOU WILL BE UNINTERRUPTED, TIMELY OR ERROR-FREE; THAT THERE WILL BE NO FAILURES, DELAYS, INACCURACIES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED CONTENT; OR THAT NO SOFTWARE DISABLING DEVICES, TIME BOMBS, VIRUSES, WORMS, BUGS, OR DEVICES OR DEFECTS OF SIMILAR NATURE WILL BE TRANSMITTED ON OR THROUGH THE SERVICE, AND WE AND OUR INDEMNITEES WILL NOT BE LIABLE IN THE EVENT OF ANY SUCH OCCURRENCE.
      3. WE AND OUR INDEMNITEES ARE NOT RESPONSIBLE FOR INCOMPLETE, INCORRECT, LOST, DELAYED, LATE, MISDIRECTED, GARBLED, DAMAGED, ILLEGIBLE, UNDELIVERABLE, OR INCOMPLETELY RECEIVED COMMUNICATIONS OR MESSAGING FROM OR TO US OR YOU FOR ANY REASON, INCLUDING BY REASON OF HARDWARE, SOFTWARE, BROWSER, NETWORK, COMMUNICATIONS SYSTEM FAILURE, MALFUNCTION, DELAY OR CONGESTION, OR ANY INCOMPATIBILITY AT OUR SERVERS OR ELSEWHERE, OR FOR ANY OTHER TECHNICAL PROBLEMS, ANY FORM OF ACTIVE OR PASSIVE FILTERING BY A USER'S COMPUTER, MOBILE OR OTHER DEVICE OR ACCESS PROVIDER; INSUFFICIENT SPACE ON USER'S COMPUTER, MOBILE OR OTHER DEVICE OR ACCOUNT/PROFILE; OR ANY OTHER CAUSE OR COMBINATION THEREOF.
      4. WE AND OUR INDEMNITEES SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTIES FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ALLEGEDLY SUSTAINED ARISING OUT OF THE TERMS; THE SERVICE; THE WEBSITE; YOUR ABILITY OR INABILITY TO ACCESS, VISIT AND/OR USE THE SERVICE, INCLUDING DAMAGE TO YOUR COMPUTER, MOBILE OR OTHER DEVICE; OR FOR SOFTWARE DISABLING DEVICES, TIME BOMBS, VIRUSES, WORMS, BUGS, OR DEVICES OR DEFECTS OF SIMILAR NATURE ALLEGED TO HAVE BEEN OBTAINED FROM THE SERVICE, YOUR ACCESS, VISITATION, AND/OR USE OF, OR RELIANCE ON, THE SERVICE AND/OR CONTENT AVAILABLE ON OR THROUGH THE SERVICE, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR LIABILITY TO YOU EXCEED $1,000. SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; THEREFORE, THIS LIMITATION WILL NOT APPLY IN SUCH STATES, BUT TO THE EXTENT A CLAIM IS BROUGHT THEREIN, OUR LIABILITY AND WARRANTIES ARE LIMITED TO THE EXTENT PERMITTED BY LAW. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, IN PART: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."
      5. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ADDITIONAL SERVICES AND ARE NOT BE RESPONSIBLE FOR ANY DAMAGES CAUSED BY THE ADDITIONAL SERVICES, INCLUDING WITHOUT LIMITATION ANY DAMAGES ARISING OUT OF ANY MISREPRESENTATIONS OR VIOLATIONS OF LAW. OUR ADVERTISEMENT OF ANY ADDITIONAL SERVICE SHALL BE DONE IN ACCORDANCE WITH THE TERMS FOR THAT SERVICE, INCLUDING OUR ONLINE PRIVACY STATEMENT AND CUSTOMER PRIVACY NOTICE.
    5. Step 1 Termination or Suspension
      1. We reserve the right, in addition to our other remedies, to terminate, discontinue, suspend and/or restrict the Service, your account/profile, your ability to access, visit and/or use the Service or any portion thereof, including without limitation any of our purported obligations hereunder, for any or no reason, with or without notice. In the event of any termination or discontinuation of your Account, your ability to access, visit and/or use the Service or any portion thereof, we reserve the right, in addition to our other remedies, to reassign and/or allow another user to use, your password and/or username. If we do reassign your password and/or username, however, the new user will not have any access to your data that we may still have at that time.
      2. Even if the Service or your ability to access, visit and/or use the Service is terminated, discontinued, suspended or restricted, by you or by us, we have no obligation to (but we may in our discretion) remove any information with regard to your account/profile and/or content you may have posted, uploaded, transmitted, sent or otherwise made available on or through the website. This information may be retained and/or remain viewable by us, our licensors, vendors, service providers and/or other third parties. All provisions of these terms shall survive the termination or expiration of the Service and/or your account/profile.
    6. Disputes and Jurisdiction
      1. The Service is based in the United States. It is not designed, customized or intended for, or directed to, any other country. Those who choose to access, visit and/or use the Service do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. We make no representation, warranty or guarantee that the Service is appropriate, available or legal in any particular geographic location.
      2. In any dispute between us, your sole remedy is to stop using your account/profile and/or the Service. This includes any dispute related to or arising out of: (i) rules, restrictions, limitations, terms and conditions that apply to the Service, whether listed in these Terms or in the Online Privacy Statement, or (ii) your ability or inability to access, visit and/or use portions of the Service or the Service as a whole.
    7. Change in Terms. These Terms are subject to change. Any changes will be posted to this website from time to time. Your continued use of the website after any changes are posted shall be deemed your conclusive acceptance of the changes to these Terms. The rules, restrictions, limitations, terms and conditions that apply to the Service, whether listed in these Terms or Online Privacy Statement, posted at various points in the Website or otherwise communicated to you, constitutes the entire agreement and understanding between you and us, with respect to your use of the Service and Website.
    8. Content
      1. We seek to provide accurate and reliable information on our website, but we do not warrant its accuracy, completeness or timeliness.
      2. We may change or discontinue the information, products or services that we offer on the website at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend it.
      3. The Content of this website and ISL's other websites, including information you obtain from the Service or from a related notice from us, any software code (including html computer programs), logos, graphics and other content are protected by applicable copyright, patent, trademark and other laws. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by ISL or its subsidiaries unless otherwise indicated. Other featured words or symbols used to identify the source of goods and services may be the trademarks of their respective owners.
      4. You may not copy, download, redisplay, distribute, modify, repost, reproduce, transmit or create a derivative work from the content of this website or otherwise use it for any public or commercial purpose without our express written consent.
    9. Severability. If a court of competent jurisdiction finds any provision of these Terms to be invalid, our intentions as reflected in such provision will be given effect. The remaining provisions of these Terms will remain in full force and effect.
    10. Governing Law and Venue. Regardless of where you access, visit or use this website, your use of this website and these Terms shall be governed by the substantive laws of the state of Iowa, without regard to its conflict of law provisions. The sole and exclusive jurisdiction and venue of the courts located in Polk County, Iowa, shall be used for the submission of any Claims arising out of or related to these Terms, the Service, or the Website. Any cause of action arising out of or related to the Terms, the Service, or the Website shall be filed no later than one (1) year after the alleged cause of action accrues or shall be time-barred.
    11. Attorney Fees. In the event of any legal proceedings to enforce these Terms, you agree to reimburse us for our reasonable attorney fees, court costs, and litigation costs incurred in such proceeding.
    12. Acknowledgement; Disclaimers.
      1. ISL does not receive any kickback, fees, or other monetary considerations for provision of this Service.
      2. ISL offers certain scholarships and loan products; no guarantees or warranties of any kind are made to you through your use of Step 1.
      3. ISL is not affiliated with the federal Department of Education or state offices of the same or similar in nature.
      4. ISL is a separate legal entity from ICAN.
      5. ISL is located at 6805 Vista Drive, West Des Moines, Iowa 50266. The websites for Additional Services have other ways that you may contact ISL.