Last revised:  August 20, 2020

Welcome to the Gradifi website.  These constitute the terms of use (the “Terms of Use”) for users of this website (the “Site”).  As used in these Terms of Use, “Gradifi,” “we,” “us” and “our” refer to E*TRADE Financial Corporate Services, Inc., and the Terms of Use and any rights provided for herein also inure to the benefit of the affiliates of E*TRADE Financial Corporate Services, Inc. 

PLEASE READ THESE TERMS OF USE CAREFULLY.  THESE TERMS OF USE ARE A LEGAL AGREEMENT.  BY ACCESSING THE SITE, YOU ACKNOWLEDGE, AGREE AND ACCEPT TO BE BOUND BY THE TERMS OF USE.  IF YOU DO NOT AGREE TO THE TERMS OF USE, OR IF YOU ARE UNDER 16 YEARS OF AGE, YOU MUST NOT ACCESS THE SITE.

Privacy

Your privacy is important to us.  For information regarding our use of information collected or provided through the Site, including information regarding non-public information we collect through use of the Site, please take the time to review our Privacy Policy.

Rules of Conduct

In using the Site, you agree to comply with these Terms of Use, Gradifi rules and policies, and all applicable laws, rules and regulations.  You further agree that you will not:

  • Interrupt or attempt to interrupt the operation of the Site or the servers or networks used to make the Site available;
  • Transmit or otherwise make available in connection with the Site any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment;
  • Restrict or inhibit any other person from using the Site (including without limitation by hacking or defacing any portion of the Site);
  • Attempt to gain unauthorized access to any accounts, computer systems or networks through hacking, phishing, password mining or any other means;
  • Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity;
  • Reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the Site;
  • Use any material or information in a manner that infringes any copyright, trademark, patent, trade secret or other proprietary right of any party; or
  • Collect personal information about others, including email addresses or other personal information.

No Advice

Nothing contained on the Site is intended to constitute tax or financial advice. The information and materials on the Site are not intended as an offer or solicitation for the purchase of stock, any other security or any financial instrument of Gradifi, its affiliates, or any other issuer or company. No content or comments made by Gradifi, its employees, agents or any other user should be understood or used as the basis for any investment or financial decision, nor should they be construed as advice, endorsements or recommendations.

In no event shall any reference to any third party or third party product or service be construed as an approval, guarantee or endorsement by us of that third party or of any product or service offered by that third party.

Links

Links from the Site to an external site, unaffiliated with Gradifi, may be provided for users’ convenience only.  We do not control or review these sites nor does the provision of any link imply an endorsement or association of such non-Gradifi sites.  We are not responsible for and make no representation or warranty regarding the contents, completeness or accuracy or security of any materials or information on such sites.  If you decide to access such sites, you do so at your own risks.

Copyright and Trademark Notices and Intellectual Property Rights of Gradifi

We and our licensors and suppliers own the information and materials made available through the Site.  Such information and materials may be protected by copyright, trademark, patent and/or other proprietary rights and laws.  Except as otherwise expressly stated herein, copyrighted, trademarked materials or other intellectual property on this Site (including without limitation, images of people and places) may not be used, copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, removed, reverse engineered, modified or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by applicable law, and then, only with notices of our proprietary rights; provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in such information, as downloaded. Please be advised that any violation of such copyright, trademark or other intellectual property rights or any privacy or communication laws is your sole responsibility. Gradifi will aggressively enforce its intellectual property rights to the fullest extent of the law, including without limitation, the seeking of criminal prosecution.

Gradifi®, the Gradifi logo, SLP Plan®, CSU Plan®, Paydown Rewards®, Paydown®, Student Loan Paydown®, SaveUp®, College SaveUp®, The Notebook®, and combinations of the foregoing are trademarks of Gradifi, Inc.  Gradifi and its affiliates also claim rights in certain other trademarks and service marks contained on the Site.  Other featured words or symbols on the Site, used to identify the source of goods and services, may be trademarks of their respective owners.

Disclaimer

The information and materials contained on the Site are for information purposes only. Use of the Site is at your sole risk. We use reasonable efforts to include reliable information and materials, but Gradifi makes NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, COMPLETENESS AND TIMELINESS OF SUCH INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSION CONTAINED IN THE SITE.

Neither Gradifi nor any other party involved in creating, producing, or delivering the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided “AS IS,” “AS AVAILABLE” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. FURTHERMORE, GRADIFI WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN THE SITE, ANY INCOMPATIBILITY BETWEEN THE SITE AND YOUR FILES AND YOUR BROWSER OR OTHER SERVICES ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO YOUR ACCESS TO, USE OF, OR BROWSING OF THE SITE OR DOWNLOADING OF ANY INFORMATION OR MATERIALS.

UNDER NO CIRCUMSTANCES WILL GRADIFI BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OR INABILITY TO USE THE SITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER GRADIFI HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY OR OTHERWISE.

The information and materials contained in the Site are subject to change without notice. We may discontinue or make changes in the information, materials, services or products which may be described or provided for on the Site 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 any such information.

Limitation of Access

We may shut down this Site, or limit or deny access to all or part of the Site, or the Site may from time to time be unavailable, delayed or slowed at any time, for any reason, without notice, and without liability to you.

Other Agreements

These Terms of Use do not nullify, and are in addition to, any other terms and conditions contained in other agreement(s) between you and Gradifi, including without limitation, any agreement regarding your use of any webpages, websites or social media sites maintained by us.  In the event of a conflict, the additional terms and conditions will govern those sections or pages.  In addition, certain portions or pages of the Site, or other webpages, websites or social media sites are subject to additional disclosures and disclaimers.  In the event of conflict between those disclosures and disclaimers and these Terms of Use, the additional disclosures and disclaimers will govern those portions, pages or sites.  Termination or modification of these Terms of Use will not affect, or result in the termination or modification of, any such other agreements or disclaimers.

Governing Law

These Terms of Use will be interpreted, governed and enforced under the laws of the State of Delaware, without giving effect to its choice or conflicts of law provisions.  The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.  In the event there is deemed to be any information on the Site regarding services and products then such information is applicable only in jurisdictions where such services and products may lawfully be offered for sale and is void where prohibited by law.  If you access the Site from outside of the United States, you are responsible for compliance with local, national and international laws.

Severability

If any term or provision of these Terms of Use is held unenforceable, the validity or enforceability of the remaining terms and provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable term or provision.

Headings

The headings inserted in these Terms of Use are inserted for convenience and identification only and are not intended to describe, interpret, define or limit the scope or intent of this agreement or any clause hereof.

Amendments

We reserve the right to change these Terms of Use at any time and without prior notice, by posting revisions on this Site. You are bound by any such revisions as of the time of such posting and you should therefore periodically visit this page to review the current Terms of Use.  Your simultaneous or subsequent use of the Site constitutes your agreement to be bound by the revised Terms of Use.

Questions & Complaints

If you have questions, would like to report unethical behavior, or if you would like to make a complaint, please contact us at complaints@gradifi.com.

The material provided by E*TRADE Financial, LLC or any of its direct or indirect subsidiaries (E*TRADE) or by a third party not affiliated with E*TRADE is for educational purposes only and is not an individualized recommendation. The information contained in the third-party material has not been endorsed or approved by E*TRADE, and E*TRADE is not responsible for the content. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy by E*TRADE.


The E*TRADE Financial family of companies provides financial services, including trading, investing, banking, and managing employee stock and financial wellness benefit plans.


E*TRADE Financial Corporate Services, Inc. acquired Gradifi, Inc. Gradifi offers financial wellness benefits focused on solutions for employers to provide their employees student loan and college savings benefits.


Content and services available to non-US participants may be different than those available to US participants.


This is not an offer to sell or a solicitation of an offer to buy securities, products or services, by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.


The laws, regulations, and rulings addressed by the products, services, and publications offered by E*TRADE Financial Corporate Services, Inc. and its affiliates are subject to various interpretations and frequent change. E*TRADE Financial Corporate Services, Inc. and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. E*TRADE Financial Corporate Services, Inc. and its affiliates do not provide legal, accounting, or tax advice.


Always consult your own legal, accounting, and tax advisors. E*TRADE Financial Corporate Services, Inc., American Student Assistance (ASA), LendKey, Earnest, and MEFA are separate and unaffiliated companies.


Gradifi by E*TRADE is a licensed provider of money transfer services (NMLS ID: 1959157).


© 2020 E*TRADE Financial, LLC, a business of Morgan Stanley. All rights reserved.