Introduction

These terms and conditions govern your use of this website; by using this website, you
accept these terms and conditions in full. If you disagree with these terms and conditions
or any part of these terms and conditions, you must not use this website.

You must be at least 18 years of age to use this website. By using this website you:
1. Warrant and represent that you are at least [18] years of age
2. Agree that the exclusions and limitations of liability set out in the Terms
and Conditions are reasonable
3. Accept these Terms and Conditions.

If you do not accept the Terms and Conditions described on this page, please discontinue
using this site immediately.

License to use website

Unless otherwise stated, Vosberg Associates and/or its licensors own the
intellectual property rights in the website and material on the website. Subject to the
license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from this website
for your own personal use, subject to the restrictions set out below and elsewhere in these
terms and conditions.

You may not:
• republish material from this website (including republication on another website);
• sell, rent or sub-license material from the website;
• reproduce, duplicate, copy or otherwise exploit material on this website for a
commercial purpose;
• edit or otherwise modify any material on the website; or
• redistribute material from this website

Acceptable use

You may not use this website in any way that causes, or may cause, damage to the
website or impairment of the availability or accessibility of the website; or in any way
which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful,
illegal, fraudulent or harmful purpose or activity.

You may not use this website to copy, store, host, transmit, send, use, publish or
distribute any material which consists of (or is linked to) any spyware, computer virus,
Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You may not conduct any systematic or automated data collection activities (including

without limitation scraping, data mining, data extraction and data harvesting) on or in
relation to this website without Vosberg Associates’s express written consent.

You may not use this website to transmit or send unsolicited commercial
communications.

You may not use this website for any purposes related to marketing without Vosberg
College Funding’s express written consent.

No warranties

This website is provided “as is” without any representations or warranties, express or
implied. We makes no representations or warranties in relation to this website or the
information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Vosberg Associates
does not warrant that:
• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you
require advice in relation to any [legal, financial or medical] matter you should consult an
appropriate professional.

Limitations of liability

Vosberg Associates will not be liable to you (whether under the law of contact,
the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in
connection with, this website:
• to the extent that the website is provided free-of-charge, for any direct loss;
• for any indirect, special or consequential loss; or
• for any business losses, loss of revenue, income, profits or anticipated savings,
loss of contracts or business relationships, loss of reputation or goodwill, or loss
or corruption of information or data.

These limitations of liability apply even if Vosberg Associates has been expressly
advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law
that it would be unlawful to exclude or limit; and nothing in this website disclaimer will
exclude or limit Vosberg Associates liability in respect of any:

  • death or personal injury caused by Vosberg Associates negligence;
  • fraud or fraudulent misrepresentation on the part of Vosberg Associates; or
    matter which it would be illegal or unlawful for Vosberg Associates to
  • exclude or limit, or to attempt or purport to exclude or limit, its liability.

Restricted access

Access to certain areas of this website is restricted. Vosberg Associates reserves the
right to restrict access to areas of this website, or indeed this entire website, at Vosberg
College Funding’s discretion.

If Vosberg Associates provides you with a user ID and password to enable you to
access restricted areas of this website or other content or services, you must ensure that
the user ID and password are kept confidential.

Vosberg Associates may disable your user ID and password at our sole discretion
without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without
limitation text, images, audio material, video material and audio-visual material) that you
submit to this website, for whatever purpose.

You grant Vosberg Associates a worldwide, irrevocable, non-exclusive, royalty-
free license to use, reproduce, adapt, publish, translate and distribute your user content in
any existing or future media. You also grant to Vosberg Associates the right to sub-
license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s
legal rights, and must not be capable of giving rise to legal action whether against you or
Vosberg Associates or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject
of any threatened or actual legal proceedings or other similar complaint.

Vosberg Associates reserves the right to edit or remove any material submitted to
this website, or stored on our servers, or hosted or published upon this website.

Notwithstanding Vosberg Associates’s rights under these terms and conditions
in relation to user content, Vosberg Associates does not undertake to monitor the
submission of such content to, or the publication of such content on, this website.

Other parties

You agree that you will not bring any claim personally against Vosberg College
Funding’s officers or employees in respect of any losses you suffer in connection with the
website.
You agree that the limitations of warranties and liability set out in this website disclaimer

will protect Vosberg Associates officers, employees, agents, subsidiaries,
successors, assigns and sub-contractors.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under
applicable law, that will not affect the enforceability of the other provisions of this
website disclaimer.

Indemnity

You hereby indemnify Vosberg Associates against any losses, damages, costs,
liabilities and expenses (including without limitation legal expenses and any amounts
paid by Vosberg Associates to a third party in settlement of a claim or dispute
arising out of any breach by you of any provision of these terms and conditions, or
arising out of any claim that you have breached any provision of these terms and
conditions.

Assignment

Vosberg Associates may transfer, sub-contract or otherwise deal with Vosberg
College Funding’s rights and/or obligations under these terms and conditions without
notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations
under these terms and conditions.

Severability

If a provision of these terms and conditions is determined by any court or other
competent authority to be unlawful and/or unenforceable, the other provisions will
continue in effect. If any unlawful and/or unenforceable provision would be lawful or
enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest
of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and Vosberg
College Funding in relation to your use of this website, and supersede all previous
agreements in respect of your use of this website.

Changes to these Terms

We may revise these terms and conditions from time-to-time. Please check this page
regularly to ensure you are familiar with the current version.

Last updated: 2011.11.28