Legal Information and Disclaimers

Refer to the following sections:

These policies and disclaimers are effective from September 24, 2025.

Privacy Policy

TERMS.

The Terms of Use Agreement (“Agreement”) and/or Privacy Policy ("Privacy Policy" or "Policy"), created on the effective date and last amended on date above, is made between you (“user,” “you” or “your”), and:

WEBSITE OWNER.

Website URL: www.findingcollegecash.com

Company Name: Illuminated Enterprises LLC

Address: 98 North Main Street #222, Clearfield, Utah, 84075

E-Mail: support@findingcollegecash.com

Phone: NONE

The owner mentioned above includes its affiliated companies, websites, applications, software, and tools (the “Company,” “we,” “us,” or “our”), and, with this Agreement, outlines the rights and obligations that you and all users share, as well as any other media form, media channel, mobile website or mobile application related or connected thereto (collectively, the “website”), for the purpose of making use of any of the content, software, or other tools on the website (“services”).

PRIVACY

This Privacy Policy governs the collection, usage, maintenance, and disclosure of information gathered from users ("Users") of this website ("Site") and applies to all products and services offered by the Site.

Personal Identification Information: We may gather personal identification information from Users through various means, such as when they visit our site, subscribe to newsletters, fill out forms, or engage in other activities, services, features, or resources provided on our Site. Users may be requested to provide, as appropriate, their name, email address, etc. However, Users can choose to visit our Site anonymously. We only collect personal identification information from Users if they voluntarily submit it to us. Users can always opt not to provide such information, but it may restrict their participation in certain Site-related activities.

PERSONAL INFORMATION COLLECTED.

Identifiers. A real name or alias, postal address, signature, home phone number or mobile phone number, bank account number, credit card number, debit card number or other financial information, physical characteristics or description, e-mail address; account name, or other similar identifiers.

Protected Classification Characteristics. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Inferences Drawn From Other Personal Information. Profile reflecting a person’s preference, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Internet or Other Similar Network Activity. Browsing history, search history, and information on a consumer's interaction with a website, application, or advertisement.

Geolocation Data. Physical location or movements. For example, city, state, country, and ZIP code associated with your IP address or derived through Wi-Fi triangulation; and, with permission in on your mobile device settings, and precise geolocation information from GPS-based functionality on your mobile devices.

Non-Public Education Information (per the Family Educational Rights and Privacy Act (20 U.S.C Section 1232g, 34 C.F.R. Part 99). Educational records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

Hereinafter known as “Personal Information.”

SOURCES OF INFORMATION WE COLLECT.

Using the website and mobile app. We collect certain information from your activity on our website and mobile app, starting when you first arrive and accessing it on an electronic device. We may collect your IP address, device ID, advertising identifiers, browser type, operating system, internet service provider, pages visited (including clicks and duration), and other related log information. For mobile phones, we may collect your device’s GPS signal or other information about nearby Wi-Fi access points and cell towers.

Creating a User Profile or Account. We may collect information directly from you or an agent authorized to act on your behalf. For example, if you, or someone acting on your behalf, provides your name and e-mail to create a profile or an account. We also collect information indirectly from you or your authorized agent. This can be done through information we collect from you while providing content, products, or services.

Non-Personal Identification Information:

Whenever Users interact with our Site, we may collect non-personal identification information, including browser names, types of computers, technical details about Users' means of connecting to our Site (such as operating systems and internet service providers), and similar information.

Web Browser Cookies: Our Site may utilize "cookies" to enhance User experience. These cookies are stored on Users' hard drives by their web browsers for record-keeping purposes and to track information about them. Users may choose to set their web browsers to refuse cookies or to alert them when cookies are being sent. However, please note that some parts of the Site may not function properly if this setting is activated.

How We Use Collected Information:

We may collect and use Users' personal information for various purposes, including improving our Site, running promotions, contests, surveys, sending periodic emails, and more. Detailed unsubscribe instructions are provided in each email, allowing Users to opt out of receiving future communications.

HOW WE USE PERSONAL INFORMATION.

We may use or disclose your Personal Information for the following purpose:

-Feedback. To get feedback on website and mobile app improvements and generally provide an overall better experience.

-Testing. For testing, research, and analysis, of user behavior on the website and mobile app.

-Protection. To protect against fraud, safeguard data, and the general security of the website and mobile app.

-Security. To detect security incidents, verify human users, and avoid being subject to malicious, deceptive, fraudulent, or illegal activity.

-Law Enforcement. To respond to law enforcement requests as required by applicable law, court order, or governmental regulations.

-Intended Purpose. As described for the intended purpose when collecting your personal information.

-Assessment. To evaluate or conduct a merger, divestiture, restricting, reorganizing, dissolution, or outright sale, either wholly or partially, of our assets in which your Personal Information becomes a part of such sale.

Our usage of your Personal Information may change over time, and when such changes occur, we will update this Privacy Policy accordingly.

How We Protect Your Information:

We implement appropriate data collection, storage, and processing practices, along with security measures, to safeguard against unauthorized access, alteration, disclosure, or destruction of Users' personal information, usernames, passwords, transaction details, and other data stored on our Site. Sensitive data exchange between the Site and its Users is conducted over a SSL secured communication channel, encrypted, and protected with digital signatures.

Sharing Your Personal Information:

We do not sell, trade, or rent Users' personal identification information to others. However, we may share generic aggregated demographic information with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may also use third-party service providers to assist in operating our business and the Site.

Third-Party Websites:

Our Site may contain advertisements or other content linking to the sites and services of third parties. We are not responsible for the practices employed by these sites and advise Users to review their privacy policies before engaging with them. It is recommended to familiarize yourself with its terms and disclosures regarding your Personal Information. We are not responsible for the handling of your Personal Information when using, accessing, or visiting 3rd Parties.

Advertising:

Advertisements displayed on our site may be delivered to Users by advertising partners who may set cookies. These cookies allow the ad server to recognize Users' computers and compile non-personal identification information. Users may opt out of personalized advertising through their browser settings.

ACCESS.

Your access to and use of the website and the services is conditional upon your acceptance of and compliance with this Agreement, which applies to all the website’s visitors. If for any reason, you do not agree with any of the terms of this Agreement, you may not access the website or its services.

Additionally, your access to and use of the services is also conditional upon your acceptance of and compliance with our privacy policy which describes our policies and procedures on the collection, use, and disclosure of your personal information which is initiated by and commences when you use the website. The privacy policy discloses details and discloses your privacy rights and protections under applicable laws.

a.) Minors (under the age of 18).

If any user is a minor in the jurisdiction where they reside, the minor must obtain permission from their parent or guardian to use the website. If a minor accesses the website, it is assumed that their parent or guardian has read and agrees to this Agreement and has given permission to the minor to use the website.

b.) Children (under the age of 13).

We do NOT actively seek out nor intentionally store the data of minors or children under the age of 13. If any user is a child under the age of thirteen (13) years and from the United States, it is assumed that they have obtained permission and verifiable parental consent to use the website. Furthermore, this Agreement allows the protections mentioned under the Children’s Online Privacy Protection, specifically, 15 U.S. Code § 6502.

We do not claim that the website's content is appropriate or suitable for you or any visitor. No information, data, or information provided on the website is intended for distribution or use in any location where such usage is prohibited or is contrary to any law or regulation which would subject the Company to the legal liability of any type. Any such access or use of the website is to be utilized on your own initiative, and you are solely responsible for any legal compliance.

RIGHT AND CHOICES.

This Section describes your rights and choices regarding how we collect, share, use, and protect your Personal Information, how to exercise those rights, and limits and exceptions to your rights and choices.

a.) Exceptions. The rights and choices in this Section do not apply to you if the information being collected is:

-Aggregate consumer information;

-Deidentified Personal Information; and

-Publicly available information.

b.) Access to Information. If the above exceptions do not apply, and you have not made this request more than twice in a 12-month period, you have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months from the date we receive your request. Once we receive and confirm your request on your behalf, we will disclose it to you or your representative:

-The categories of Personal Information we collect;

-The categories of sources for the Personal Information we collect;

-Our business or commercial purpose for collecting or selling such Personal Information;

-The categories of third parties to whom we sold or disclosed the category of Personal Information for a business or commercial purpose;

-The business or commercial purpose for which we sold or disclosed the category of Personal Information; and

-The specific pieces of Personal Information we collected about you in a form that you can take with you (also called a “Data Portability Request”).

c.) Deletion (Erasure) Request Rights. You have the right to request that we delete any of your Personal Information that we collect from you and retain, subject to certain exceptions. Once we receive and verify your request, we will delete and direct our service providers to delete your Personal Information from our records unless an exception applies. We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:

-Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;

-Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those for such activity;

-Debug to identify and repair errors that impair existing intended functionality;

-Exercise free speech, or exercise another right provided by law;

-Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the businesses' deletion of the Personal Information is likely to render impossible or seriously impair the achievement of such research if you previously provided informed consent.

-Enable solely internal and lawful uses of such Personal Information that are compatible with the context in which you provided it.

d.) Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability, deletion rights, or any other rights mentioned herein, a consumer or a consumer's authorized agent may submit a verifiable request to us by using the contact details mentioned herein.

e.) Requests. You may only make a verifiable consumer request for access or data portability in relation to this Section. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information is related to you.

Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided via a verifiable consumer request to verify the requestor's identity or authority to make the request.

f.) Authorized Agent. An authorized agent is any person or legal entity registered with the Secretary of State or similar office that you have authorized to act on your behalf. If a request is made by an authorized agent acting on your behalf, we may require the following:

-Submission of evidence by you with your permission for the authorized agent to submit a verifiable request on your behalf;

-For you to directly acknowledge, via electronic communication, that the authorized agent is allowed to act on your behalf;

-Require the authorized agent to verify their identity; or

-For a power of attorney document to be submitted that is signed in accordance with state law.

We reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us.

g.) Response Timing and Format. As required under privacy laws, we agree to respond to any verifiable consumer request within 45 days of its receipt. If we require more time, with a maximum of 90 days, we will inform you, in writing, of the reason. Such notification will be by e-mail unless there is another preferred communication method provided.

If applicable, the response we provide will also explain the reasons we cannot comply with a request. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance.

No fee will be charged to process or respond to your verifiable consumer request.

h.) Right of Non-Discrimination. We do not discriminate against you for exercising any of your rights in this Privacy Policy and under applicable laws. Unless permitted by law, we will not:

-Deny you goods or services;

-Charge you different prices or rates for goods, services, and offerings, including through granting discounts or other benefits, imposing penalties; or

-Provide you with a different level of quality of goods or services.

Certain pieces of information are required for the operation of the site such as your name, email, contact information, etc. We may deny a request to delete information to maintain usability of the site, but any decision to do so is not based on discrimination.

DISCLAIMER FOR CALIFORNIA USERS.

Your privacy and rights under the California Consumer Privacy Act (CCPA) and the California Online Privacy Protection Act (CalOPPA) are important to us. We offer this document as a resource to view how we collect, manage, store, and use your Personal Information in the day-to-day running of our website and mobile app. This Privacy Policy, intended for California residents, can be applied to all website and mobile app users to disclose how we collect, manage, store, and use your Personal Information as defined under CIV 1798.140(v) of the California Consumer Privacy Act (CCPA).

Changes to This Privacy Policy:

We reserve the right to update this privacy policy at any time. When changes are made, the updated date will be revised at the bottom of this page. Users are encouraged to check this page frequently for any updates to stay informed about how we protect the personal information we collect.

Your Acceptance of These Terms: By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please refrain from using our Site. Continued use of the Site following the posting of changes to this policy will be deemed acceptance of those changes.

Contacting Us: If you have any questions about this Privacy Policy or your interactions with this site, please contact us.

Legal, Financial, Tax, Accounting, and Health Disclaimers

The content provided on this website, including text, graphics, video, images, and other materials, is for educational purposes only. It is not meant to replace professional legal, financial, tax, or accounting advice nor does the site offer medical advice, diagnosis, or treatment. Always consult a licensed attorney, financial planner, CPA regarding you legal, financial, tax, and accounting needs. Consult a physician or another qualified healthcare provider regarding your health condition, medical concerns, or before starting any new healthcare routine, regardless of your current health status. These statements have not been evaluated by the Food and Drug Administration. The products and services offered are not intended to diagnose, treat, cure, or prevent any disease.

Results May Vary: Testimonials regarding outcomes are not indicative of guaranteed results. Individual achievements, including the amount and timeframe, will differ. Various factors, whether time spent, quality of efforts, individual circumstances, health of the individual, timing of submissions, environmental factors, diligence, etc. affect success and outcome. Each individual's experience should not be considered typical. BY USING THIS WEBSITE OR ITS PRODUCTS OR SERVICES, YOU ACKNOWLEDGE THAT THE OWNERS, DISTRIBUTORS, PARTICIPANTS, AFFILIATES, EMPLOYEES, AGENTS, AND INDEPENDENT CONTRACTORS OF THIS WEBSITE (COLLECTIVELY REFERRED TO AS "THIS WEBSITE") DISCLAIM ANY RESPONSIBILITY FOR LIABILITIES OR LOSSES ARISING FROM THE CONTENT PROVIDED HEREIN. FURTHERMORE, YOU AGREE THAT THIS WEBSITE IS NOT LIABLE FOR PRODUCTS OR SERVICES RECOMMENDED ON THE SITE, AND THAT THIS WEBSITE IS NOT LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE INFORMATION OR PRODUCTS SOLD ON THIS SITE.

Earnings Disclaimers

This website is authored collaboratively by a team of individuals. It may receive compensation through cash advertising, sponsorship, paid insertions, or other forms of remuneration. Compensation received may impact the content of advertisements, topics, or posts on this site. However, such content may not always be explicitly identified as paid or sponsored. The owner(s) of this site may receive compensation for providing opinions on products, services, websites, and various other topics. Despite receiving compensation, we always provide honest opinions, findings, beliefs, or experiences on these subjects. The views and opinions expressed on this site belong solely to the content creators. Any product claim, statistic, quote, or other representation about a product or service should be verified directly with the manufacturer, provider, or relevant party. This site maintains transparency and does not contain content that could pose a conflict of interest.

Digital Millennium Copyright Act Policy

As an internet service provider, we uphold the intellectual property rights of others, expecting the same in return. In accordance with the Digital Millennium Copyright Act (DMCA), Title 17, United States Code, Section 512(c), copyright owners or their representatives may issue a takedown notice to us through our designated DMCA Agent listed below. We are entitled to claim immunity from infringement claims under the "safe harbor" provisions of the DMCA.

To submit a valid infringement claim, the copyright owner or authorized representative must provide notice containing the following information: a physical or electronic signature, identification of the copyrighted work allegedly infringed, identification of the infringing material to be removed (including the URL of the page), contact information of the complaining party, and a statement affirming a good faith belief that the use of the material is unauthorized by the copyright holder, along with a statement affirming the accuracy of the information provided under penalty of perjury.

Title 17 USC §512(f) imposes civil damage penalties against individuals who knowingly and materially misrepresent information in a notification of infringement under 17 USC §512(c)(3).

Takedown notices should be sent through our Contact page for prompt attention, preferably via email. Please note that we may disclose the identity and information of any party involved in a copyright infringement claim to the alleged infringer.

If you wish to contest a takedown notice, you may submit a counter notification to our DMCA Agent, including your physical or electronic signature, a description of the material taken down and its original location, a statement, under penalty of perjury, that you believe the material was removed or disabled due to mistake or misidentification, and your name, address, telephone number, and consent to the jurisdiction of the federal district court. Send your counter notice through our Contact page, with email preferred.

We take copyright infringement seriously and adhere to the repeat infringer policy requirements of the Digital Millennium Copyright Act. We maintain a list of DMCA notices from copyright holders and make reasonable efforts to identify repeat infringers. Accounts found in violation of our repeat infringer policy will be terminated.

We reserve the right to modify the content of this page and our DMCA claims policy at any time and for any reason. We encourage you to regularly review this policy for updates.

Terms and Conditions

Last Updated: September 4 2025

AGREEMENT TO TERMS.

The Terms of Use Agreement (“Agreement”), created on the effective date and last amended on date above, is made between you (“user,” “you” or “your”), and:

WEBSITE OWNER.

Website URL: www.findingcollegecash.com

Company Name: Illuminated Enterprises LLC

Address: 98 North Main Street #222, Clearfield, Utah, 84075

E-Mail: support@findingcollegecash.com

Phone: NONE

PAYMENTS.

All or a portion of the services offered by the Company on the website are paid in accordance with the terms below:

a.) Forms of Payment. We accept payment through the methods offered at the time of purchase or when a balance is due. The provider and method of payment are determined by your location, device, and purchased item. We reserve the right, at any time, to reject payment for any reason.

b.) Currency. Payments will be accepted on the website in the currency based on your location and in accordance with local laws.

c.) Refund Policy. Except when required by law, payments made by a user are not refundable by the Company. Refund requests are administered on a case-by-case basis and, if granted, do so at the sole discretion of the Company.

d.) In-App Purchases. If the website’s services are offered on an Android, iOS, or other mobile application (“mobile app”), this Agreement also applies to payments made on the mobile app. In addition, payments made on the mobile app must also be in accordance with the terms of the mobile app platform or “store."

SUBSCRIPTIONS.

If any of the services offered by us are only available with a paid subscription, you will be billed in advance and on a recurring and periodic basis (such as daily, weekly, monthly, annually, or other agreed upon timeframes) at the end of each period. With each successful payment, the subscription will automatically renew under the same conditions unless canceled.

a.) Cancellation. You are entitled to cancel a subscription at any time and in accordance with the terms of this Agreement. Cancellation does not entitle you to a refund for any prior payments made.

b.) Fee Changes. If any changes occur to the subscription amount, you will be given notice of at least one (1) billing cycle prior to the change taking effect. Notice will be given by the e-mail on your registered account or profile.

ACCESS.

a.) Minors (under the age of 18).

b.) Children (under the age of 13).

If any user is a child under the age of thirteen (13) years and from the United States, it is assumed that they have obtained permission and verifiable parental consent to use the website. Furthermore, this Agreement allows the protections mentioned under the Children’s Online Privacy Protection, specifically, 15 U.S. Code § 6502.

Any supplemental amendments or documents posted on the website following the effective date of this Agreement are to be considered expressly incorporated into this Agreement.

PROHIBITED ACTIVITIES.

As a user of our services, whether on the website or mobile app, it is prohibited to engage in the following activities to:

-Systematically retrieve data or other content from the website or services to create or compile, directly or indirectly, a collection, compilation, database, or directory without our written permission;

-Trick, defraud, or mislead other users or us, especially in any attempt to learn sensitive account information such as user passwords;

-Circumvent, disable, or otherwise interfere with security-related features of the website or services, including those that restrict the copying of content or protected marks;

-Disparage, tarnish, or otherwise harm the Company, website, mobile app, or any other platforms where the services are offered;

-Use any information obtained from the website or the service to harass, abuse, or harm another person or group of people;

-Make improper use of our support services, specifically, our customer service representatives, or make false reports of abuse or misconduct;

-Use the website or services in a manner that is inconsistent with its intended use or against any applicable laws;

-Engage in spamming, linking, or referring to other websites for commercial or other purposes;

-Upload or transmit, or the attempt of such act, viruses, trojan horses, or other damaging or improper material, including the spamming or continuous posting of repetitive text, that has the potential to interfere, modify, impair, disrupt, alter, or interfere with another user’s experience with the website or its features, functions, operations, or maintenance;

-Attempting any unauthorized automated use of the website, such as using scripts to send comments and messages, or using mining tools with the intention of gathering, injecting, or extracting data;

-Deleting copyrights, trademarks, disclaimers, or any other marks from the website or its content;

-Impersonating another user or person by use of a username, e-mail, personal name, or in any other manner;

-Upload or transmit, or the attempt of such act, any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1x1 pixels, web bugs, cookies, or other similar devices, also known as “spyware,” “passive collection mechanisms” or “pcms;”

-Interfering with, disrupting, or creating an undue burden on the website, services, networks, and other connections;

-Harassing, annoying, intimidating, or threatening any of the other users, employees, agents, contractors, or any other individual affiliated with the Company;

-Disabling or attempting to disable restrictions implemented by the website that prohibits access to certain areas;

-Copying or adapting the software of the website, including but not limited to Flash, PHP, HTML, JavaScript, or other code;

-Deciphering, decompiling, disassembling, or reverse engineering any of the software on the website;

-Except as may be the result of standard search engine or internet browser usage, to use, launch, develop, or distribute any automated system, including without limitation, any crawlable spider, robot or bots, cheat utility, scraper, or offline reader that accessed the website or services, or using or launching any unauthorized script or other software;

-Using a buying or purchasing agent to make purchases on the website;

-Making any unauthorized use of the website or the services, such as collecting usernames, e-mail addresses, or personal names of users by electronic or other means to send unsolicited e-mails or create user accounts by automated means or under false pretenses;

-Using the website or services as part of any effort to compete with us or otherwise using the website, services, marks, content, data, or any part thereof for any revenue-generating endeavor, commercial purpose, or for personal benefit;

-Using the website or services to advertise or offer to sell goods or other services;

-Selling your user profile or account on the website.

GUIDELINES FOR REVIEWS.

We may provide you, either on the website or by a 3rd party, the right to leave a review or rating of the services provided. Said review or rating requires that you:

-Should have firsthand experience with the person/entity being reviewed;

-Do not contain any offensive, abusive, racist, profanity-laden language;

-Do not reference discriminatory language or references related to religion, race, gender, national origin, age, marital status, sexual orientation, or disability;

-Do not include references to illegal activity;

-Do not post negative reviews as part of a scheme working with a competitor of ours;

-Do not make any suggestions or conclusions as to the legality of our services, products, or conduct;

-Do not post any false or misleading comments about your experience with the website or our Company; and

-Do not organize a campaign encouraging others to post reviews, whether positive or negative.

In our sole discretion, we may decide to accept, reject, or remove reviews. Our responsibility is to screen reviews to ensure that any postings regarding the website and its services are accurate and verifiable. Any reviews made by you or other users of the website do not represent our opinions or statements of the services or of our affiliates or partners. We do not assume liability, claims, or losses resulting from any review made on the website. By posting a review, you hereby grant us a perpetual, nonexclusive, worldwide, commercial, royalty-free, and assignable license (and sublicense ability) to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to such reviews made.

COPYRIGHT POLICY.

a.) Intellectual Property Infringement.

It is our duty to respect the intellectual property rights of others. That being said, any information, testimonial, screenshot, resource, school information, earnings reporting, or other personal information becomes the intellectual property of the company. By submitting the information on any portion of the website, you agree and affirm that you are the owner of the information and that it is free from copyright infringement, trademark infringement, and you provide a release for the information to be used by the company in any way that the company deems best including advertising and posting on social media; this policy applies to photo release of any photos you submit. The company may at its discretion withhold key pieces of information like only using the first name and first initial of the last name of the person submitting a testimonial. See the subsection "USER SUBMISSIONS & CONTENT" for more details.

If there are valid claims of intellectual property violation outside of user submissions by the rightful owner of said intellectual property, we take matters of intellectual property very seriously.

Therefore, it is our policy to respond to any claim that infringes on any trademark, copyright, or other intellectual property protected under law.

If you are an owner of any protected intellectual property that you feel is being used without your authorization, you must submit notice to us by any of the contact details mentioned herein and include a detailed description of the alleged infringement.

If any request is made, and it is determined that you are not the owner of the intellectual property or do not have the authority to act on the owner’s behalf, you may be held accountable for damages which may also include costs related to attorneys’ fees for such misrepresentation.

b.) DMCA Notice and DMCA Procedure for Copyright Infringement Claims.

You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Company with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

-An electronic or physical signature of the copyright owner or a person authorized to act on behalf of the owner of the copyrighted work;

-A description of the copyrighted work that you claim has been infringed, including the URL(s) where the copyrighted work exists or a copy of the copyrighted work;

-Your contact details including a personal name, address, phone number, and an e-mail address;

-A statement that the copyright infringement is not authorized and that the request to remove the copyrighted work is in good faith; and

-A statement by you, with language that includes “under penalty of perjury,” that the information included in the infringement removal is accurate.

Upon receipt of a copyright infringement notification, we will take whatever steps are required to remove the copyrighted content from the website or the services.

INTELLECTUAL PROPERTY.

Except as otherwise indicated, all source coding, databases, functionalities, software, graphic designs, and media of any kind (e.g. audio, video, text, photos, etc.), content, trademarks, service marks, logos, and copyrights are considered to be intellectual and proprietary information (“intellectual property”). Such intellectual information is under our ownership and protected by local, state, national, and international laws and will be defended.

No intellectual property is permitted to be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for commercial purposes without our express prior written permission.

USER OBLIGATIONS.

You, as a user of the website or any of its services, agree to the following:

-Any information used for registration purposes, if required, must be submitted in an accurate and completed manner;

-If any information should change regarding your account, you agree to change it in a timely fashion;

-You have the legal capacity to understand, agree with, and comply with this Agreement;

-That you are not considered a minor in the jurisdiction where you reside or are accessing the website or its services;

-That you will not access the website or its services through the use of bots, scripts, or any other use than the traditional manner as is intended; and

-That you will use the website and its services in an authorized and legal manner in accordance with this Agreement.

In regard to any of the information submitted by you, if it should be deemed inaccurate, out of date, or incomplete, we reserve the right to terminate your access to the website or account and any future intended use.

USER ACCOUNTS.

If our website allows the creation of a user account of any type, you agree to be responsible for safeguarding its information including account data, connected e-mails, passwords, and any other personal information located therein. If you are made aware of any breach of unauthorized use of the account, to notify us as soon as possible. Furthermore, you agree not to disclose any password created with any 3rd party other than secured services used to assist with saving passwords on your behalf.

If the creation of a username is allowed when making an account, such username must be appropriate for public viewing and not violate any trademark, copyright, or other protected names or marks.

SOCIAL MEDIA.

As part of the website's functionality, you may be able to link and connect a social media profile with your account for sharing information, logging into the website, or for any other reason that is in accordance with the terms of this Agreement and the social media Company’s terms of use (“social media profile”).

If connecting a social media profile with the website, it is acknowledged that you may be required to disclose its login information or grant us access. Such disclosure or access is within the terms of use of the social media profile and that you understand that:

-We may access, make available, and store (if applicable) any content that you have provided to and stored in your social media profile so that it is available on and through the website via your account, including without limitation any contacts;

-We may submit and receive data, which may include personal information, to your social media profile upon its connection to the website;

-That you have the ability, at any time, to disable the connection between the website and the social media profile; and

-That the relationship between you and your social media profile is governed solely by its terms of use and in no way does this Agreement amend your rights and responsibilities unless otherwise stated.

Due to the policies commonly mentioned in a social media Company’s terms of use, we make no effort to review any content produced through the connection of a social media profile unless notified by other users, a 3rd party, or another event that triggers a review of the account.

USER SUBMISSIONS & CONTENT.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the website (“submissions”) provided by you is public and is not considered confidential unless otherwise stated. Upon submissions posted on the website, it becomes our exclusive property along with all intellectual property rights which may be used by us for any lawful purpose, commercial or otherwise, and without acknowledgment or compensation to you.

With the posting of your submissions, you agree to waive any rights to such submissions and acknowledge their transfer to us. In addition, you agree that after the posting of such submissions, there is no recourse. Therefore, you may not delete submissions to use them on another platform for your benefit or to reclaim their rights.

Our website or services may allow you to chat, make postings (available for public or private viewing), or other communication functionalities, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials on the website, including but not limited to, text, writings, video, audio, photos, graphics, comments, suggestions, personal information or other material (collectively known as the “content”). Content may be viewable by other users or the general public. As such, any content transmitted by you may be treated as non-confidential and non-proprietary. When you create or make any content available on the website, you are accepting that:

-The creation, distribution, transmission, public display, or performance of displaying your content to be widely available for accessing, downloading, or copying does not infringe your or its proprietary rights, including but not limited to any copyrights, trademarks, patents, trade secrets, confidential information or moral rights of a 3rd party;

-You are the creator and owner of or have the necessary licenses, rights, consent, releases, and permissions to use and to authorize us, and other users of the website, to use your content in any manner deemed reasonable;

-You have the written consent, release, or permission of each and every identifiable individual in your content to use their name or likeness;

-Your content is not false, inaccurate, or misleading to the detriment of other users, the website, or any 3rd party;

-Your content is not unsolicited or unauthorized advertising, used for promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation;

-Your content is not obscene, lewd, lascivious, filthy, violent, considered harassment, libelous, slanderous, or otherwise objectionable (as determined by us);

-Your content does not ridicule, mock, disparage, intimidate, or verbally abuse other users or us;

-Your content is not used to harass or threaten (in the legal sense of those terms) any user or individual or promotes violence against a specific person or class of people;

-Your content does not violate any applicable laws or regulations;

-Your content does not violate any privacy-related concerns or the publicity rights of any 3rd party;

-Your content does not include offensive comments related to groups of race, national origin, gender, relationship status, familial status, religion, sexual preference, or physical handicap; and

-Your content does not link to material that violates any of the aforementioned provisions of this section or this Agreement.

By posting your content on our website, you grant us the right and license to use, modify and publicly perform, display, reproduce, and distribute such content. You retain any and all of your rights to any content you submit, post, or display and are responsible for protecting those rights. This license includes the right for us to make your content available to other users of the website, 3rd parties, and to the general public, with or without your consent.

THIRD (3RD) PARTY WEBSITE AND CONTENT.

Our website or services may contain links to 3rd party websites or services that are not owned or controlled by us. Therefore, we assume no responsibility for the content, privacy policies, terms of use, practices, services, experiences, activities, or any other acts by 3rd parties. You acknowledge that if you are to be re-directed or forwarded to such 3rd party website, you hold us harmless and free of liability for any action that should occur on such websites, which may or may not include damages, losses, or any other claims.

ADVERTISING.

In the event that we host, display, recommend, or link to websites or services in exchange for a fee (“advertisements”), it shall be known that such websites and services are often not known to us and are provided via advertisement networks based on user data. We do not own or control such advertisements and assume no responsibility for the content, privacy policies, terms of use, practices, services, experiences, activities, or any other acts. Our only affiliation with such advertisements is the payment per display, clicks, or any other monetary benefit in accordance with its terms and conditions or affiliate terms.

Any advertisements used are subject to the Digital Millennium Copyright Act (“DMCA”) policies. There will be no refund or compensation related to a DMCA takedown of said advertisements. Our relationship with advertisers begins and ends with us providing space for the placement of such advertisements.

SITE MANAGEMENT.

To ensure the best experience for all users of our website and services, we reserve the right, in our sole discretion, to do the following:

-To monitor our website, services, and any other content for violations by users of this Agreement;

-To take appropriate actions against our users, including legal action, for those who may have violated this Agreement or have attempted to defraud or cause harm to other users;

-To refuse, restrict, limit, disable, or remove any and all files and Content which, due to excessive size limits or other properties, are burdensome to our systems or other users; and

-To otherwise manage our website and services in such a way as to protect our rights and property and to encourage the optimal running of said websites and services.

PRIVACY POLICY.

Your access to and use of our website or services is conditional upon your acceptance of our privacy policy. Our privacy policy describes our rules and procedures on the collection, use, and disclosure of your personal information and details your privacy rights and how the law protects you and such data. It is recommended for all users to read to know their rights. Our privacy policy can be found at the following URL: www.privacy-policy

We maintain the right to store certain data that you have transmitted by the use of the website or any of our services. You are solely responsible for the data you transmit and how it relates to any activity you have undertaken when using the website and any of its services. Therefore, you agree that we have no liability to you for any loss, breach, or corruption of any data and hereby waive any right of action against us that may or may not arise from such loss, breach, or corruption.

TERMINATION.

We may terminate or suspend your account for any reason and at our sole discretion. If your account is suspended or terminated, we may or may not provide prior notice. Upon termination, your access to the website and/or services will cease immediately.

If you wish to terminate your relationship with us, such termination can be made by simply discontinuing your use of the website and its services.

GOVERNING LAW.

The laws governing the Company’s jurisdiction (Davis County, Utah) mentioned herein shall govern this Agreement, including your use and access to the website and services. Your use of this website, services, and any mobile app may be subject to other local, state, national, and international laws.

DISPUTE RESOLUTION.

If you should raise any dispute about the website, its content, or any of the services offered, it is required first to attempt to resolve the dispute formally by contacting us.

a.) Mediation. If a dispute cannot be agreed upon by the parties, it shall be moved to mediation for a period of 30 days with at least 10 hours to be committed by each party in accordance with the procedures of the United States Arbitration & Mediation. All costs related to said mediation shall be shared equally by both parties.

b.) Arbitration. If the dispute cannot be agreed upon during the mediation period, then the dispute will be submitted to binding arbitration in the jurisdiction of governing law.

We maintain the right to bring proceedings regarding the substance of any dispute in the courts of the country where you or we reside.

”AS-IS” DISCLAIMER.

It is recognized to you, as a user of the website and any services offered, that they are provided on an “as-is,” “where is,” and “as available” basis, including faults and defects without warranty.

To the maximum extent permitted under applicable law, the Company, on its own behalf and those of its affiliates, licensors, and service providers, expressly disclaim all warranties, whether express, implied, statutory, or otherwise, with respect to the said website and any services offered, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of the course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, we provide no warranty or undertaking, and make no representation of any kind, that the content or any services provided will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems, devices, or services, including operating without interruption, or meet any performance or reliability standards or be error and bug-free from any defects that can or will be corrected.

Without limiting the foregoing, neither we nor any of our providers make any representation or warranty of any kind, express or limited, in regard to the following:

-The operation or availability of the website or any services, or the information content, and materials or products included herein;

-The website or any services being uninterrupted or bug-free;

-The accuracy, reliability, or currency of any information or content provided through the website or services; and

-The website or any services, servers, content, or e-mails sent on behalf of our Company is free of viruses, scripts, trojan horses, worms, malware, timebombs, or any other harmful code.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on the applicable statutory rights of a consumer. Therefore, some or all of the above exclusions and limitations may not apply to you. The exclusions and limitations outlined in this section will be applied to the greatest extent under applicable law.

INDEMNIFICATION.

You agree to defend, indemnify, and hold us harmless, including any of our subsidiaries, agents, or affiliates and our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any 3rd party due to or arising out of the following:

-Our content;

-Use of the website or any of our services;

-Not able to use the website or any of our services;

-Any breach of this Agreement;

-Any beach of representations and warranties set forth in this Agreement;

-Any violation of the rights of a 3rd party, including but not limited to intellectual property rights; and

-Any overt harmful act toward any other user of the website or its services.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We agree to use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

NOTICES.

Except as explicitly stated otherwise, any notices sent to us must be sent to support@findingcollegecash.com. Any notices sent to you regarding any communication that must be sent in accordance with this Agreement will be sent to the e-mail registered to any account created on the website.

If notice is required to be sent via standard mail for legal or other purposes, the mailing address in Section 1 of this Agreement should be used.

ELECTRONIC MEANS.

When accessing the website or any of its services, sending e-mails, online forms, esignatures, or any type or kind of electronic records or communication, you consent that all agreements, notices, disclosures, and other communications we provide to you in such manner satisfies any legal requirement that such communication should be in writing. You hereby agree that the use of such electronic means will be regarded as sufficient and be viewed as the same as its physical counterpart. Furthermore, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records.

UNITED STATES FEDERAL GOVERNMENT END-USER PROVISIONS.

If you are a user acting on behalf of the U.S. federal government, our website and its services are treated as a “commercial item” as defined under 48 C.F.R. § 2.101.

MISCELLANEOUS.

This Agreement and any policies or operating rules posted by us, on the website, or through any services or in respect to such constitute the entire Agreement and understanding between you, as a user, and us, as a Company. Our failure to exercise or enforce any right or provision of this Agreement will not operate as a waiver of such right or provision. This Agreement operates to the fullest extent permissible by law in accordance with the jurisdiction where we are located and to the protections that you, as a user, are entitled to in your jurisdiction. We reserve the right to assign any or all of our liabilities, services, and obligations to another party at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by an event beyond our reasonable control.

If any provision, section, clause, or part of this Agreement is determined to be unlawful, void, or unenforceable, that said portion of this Agreement is determined to be severable and does not affect the validity and enforceability of any remaining language.

It is understood that this Agreement does not create a joint venture, partnership, employment, or agency relationship between you and us, the website, or any of its services. You agree that this Agreement will not be construed against us by virtue of having drafted and published on the website for your review. Therefore, you agree to waive any and all defenses that may have been assumed under this Agreement and the lack of signing by any party hereto.

If this Agreement has been translated, you agree that its original English text shall prevail in the case of a dispute.

Legal notice

Disclaimers

Terms and Conditions