USE OF SITE TERMS & CONDITIONS

Ardent Financial, LLC is originating private education loans in selected states; please click here for the most current list of states.

Ardent Financial, LLC provides the materials contained at our Site(s) on the World Wide Web (the "Site") as a service to our customers and visitors. In addition, the Site can be used to convey information about Ardent Financial, overview products and services, and to execute online transactions.

Ardent Financial, LLC requires that all Site visitors adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. Ardent Financial, LLC may revise these Terms and Conditions at any time by updating this posting. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

Our Site is available only to individuals who are permitted to use it under applicable law. You agree to abide by all applicable local, state, national, and international laws and regulations in your use of the Site. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity. You agree that Ardent Financial, LLC may terminate your password, account, or use of the Site at Ardent Financial, LLC’s sole discretion for any reason.

Copyright and Trademark

The information contained on this Site, including but not limited to text and images herein (other than certain images licensed by third parties) and their arrangement, are copyrighted, © 2005-2008, by Ardent Financial, LLC. All rights reserved. The contents of the Site including its "look and feel" (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including HTML-based computer programs), and other material are protected under both United States and foreign copyright, patent, trademark, and other laws. The contents belong to Ardent Financial, LLC or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the express written permission of Ardent Financial, LLC. Your right to use the Site is personal to you. YOU AGREE NOT TO REPRODUCE, DUPLICATE, COPY, SELL, RESELL, USE OR EXPLOIT FOR ANY COMMERCIAL PURPOSES THE SITE, OR THE SITE'S INFORMATION OR TECHNOLOGY CONTAINED HEREIN.

Warranty Disclaimer

Ardent Financial, LLC is not responsible for technical, hardware, or software failures of any kind; lost or unavailable network connections; incomplete, garbled or delayed computer transmissions. You expressly agree that use of the service and any materials or information provided is at your sole risk. The service is provided on an "as is" and "as available" basis. ALL USERS AGREE THAT THIS SITE, ANY SERVICE OFFERED ON OR THROUGH THIS SITE, ANY WEBSITE ACCESSED THROUGH THIS SITE, AND THE ENTIRE CONTENTS AND SOFTWARE OF THIS SITE AND SUCH OTHER SITE(S), ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND WHATSOEVER, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Ardent Financial, LLC makes no warranty that the service will meet your requirements, or that the service will be uninterrupted, timely, secure, or error free; nor does Ardent Financial, LLC make any warranty as to the results that may be obtained from the use of the service, as to the accuracy or reliability of any information obtained through the service, or that defects in the software used in the service will be corrected. Ardent Financial, LLC makes no warranty regarding any services obtained through the Site or any transactions entered into through the Site. Ardent Financial, LLC assumes no responsibility for the deletion or failure to store any data or other information provided by you on the Site. Changes may be made to the contents and software of this Site, and the products and services described within, at any time without notice.

Limitation of Liability

You agree that all access to and use of the Site and its contents is at your own risk. BY USING THE SITE, YOU ACKNOWLEDGE THAT WE SPECIFICALLY DISCLAIM ANY LIABILITY (WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, COMMON LAW, STATUTORY, REGULATORY, CONSEQUENTIAL, COMPENSATORY, PUNITIVE, OR SPECIAL DAMAGES, HOWEVER CAUSED AND REGARDLESS OF CHARACTER, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF THE SITE, OR INABILITY TO USE THIS SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THIS SITE OR ANY HYPERLINKED WEB SITE) OR ANY ERRORS OR OMISSIONS IN THE CONTENT OF, OR PERFORMANCE OF THE SOFTWARE ON THIS SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THIS SITE OR ANY HYPERLINKED WEBSITE). EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

While we strive to maintain all information in current and accurate form, we cannot guarantee and expressly do not warrant that the content, functions, information and tools are error-free or that your access will be uninterrupted or that material accessible from this Site is free of viruses or other harmful code. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts. All interest rates and repayment matters are determined by you and your lender.

There are links on this Site to transfer you to the website of an organization that can provide you with value-added information and/or functionality. Ardent Financial, LLC is providing these links only as a convenience to you, not as an authorization, endorsement, sponsorship, or affiliation by Ardent Financial, LLC with respect to such website, its owners, or its providers. Ardent Financial, LLC has not tested any information, overview, or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is secure and safe.

When applying for a student loan on the Site, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, Ardent Financial, LLC has the right to terminate your loan application and/or decline to provide any and all future use of the Site. When you apply for a student loan, Ardent Financial, LLC may access and process all information included on the application. Ardent Financial, LLC is permitted to disclose the information you provide to financial institutions, educational institutions, and other authorized third parties. Ardent Financial, LLC respects your privacy. Please see our Privacy Policy, which is incorporated by reference into these Terms, for the details of our commitment.

You are responsible for maintaining the confidentiality of your login name and password and for any and all activities that occur under your password or account. You agree to immediately notify Ardent Financial, LLC of any unauthorized use of your account or any other breach of security known to you.

Communication with Us

Any information or communication, including, but not limited to, remarks, suggestions, ideas, questions or comments, transmitted to Ardent Financial, LLC via this Site or internet electronic mail is the exclusive property of Ardent Financial, LLC and is not confidential. ARDENT FINANCIAL, LLC CANNOT GUARANTEE THE CONFIDENTIALITY OF TRANSMISSIONS OVER THE INTERNET, INCLUDING ANY TRANSMISSION OF PERSONAL INFORMATION BY YOU TO ARDENT FINANCIAL, LLC. Ardent Financial, LLC is entitled to use any information or communication submitted for any purpose without restriction (including, but not limited to reproduction, publication, disclosure, broadcast, posting and compilation of such information or communication or developing products and services incorporating the same) or compensation to the person sending the submission. The person sending such submission acknowledges the originality of any submission communicated to Ardent Financial, LLC and accepts entire responsibility for its accuracy, appropriateness and legality (including without limitation compliance with any federal or state intellectual property statutes, regulations and common law rules).

Privacy Policy

This notice provides you with information about our privacy policies in connection with the student loan you have applied for and/or received from Ardent Financial, LLC or any of its subsidiaries.

Many users of the Internet today are concerned about how their information is used, and even want to know if it is collected at all. Because we understand this, we would like visitors to our Web site to feel informed - and know as much as possible about our practices - so you can make an informed decision about your use of this site.

Your privacy is important to us and we have therefore established and implemented information handling practices for this Web site which we believe are consistent with the highest standards and best practices of organizations doing business online.

We Protect Your Identity and Privacy

• Ardent Financial, LLC will not collect personally identifiable information such as your name, SSN, email, mailing address, and telephone number ("Personal Information") without your knowledge and permission.
• We do not sell your personal information to companies for their independent use.
• We do not disclose nonpublic, personal information about you to anyone except as permitted or required by law.
• In order for us to service your requests, process applications, and conduct daily business, we share information we collect only with companies we own and carefully selected outside companies for the sole purpose of performing services on your behalf. These companies may include loan processors, guarantors, purchasers, and servicers.
• We will allow you to correct your Personal Information and/or request that we remove your name from being actively used for certain programs by contacting our office and requesting that we add your name and information to our Opt-Out list. Here's how you can contact us:
  1. Email us at CustomerCare@ardentfinancial.com.
  2. Write to us at:
     
     Ardent Financial
     P.O. Box 21410
     Denver, CO 80221-9998
     
• If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Visiting the Ardent Financial, LLC Web Site

You can always visit our site without revealing who you are or providing any Personal Information. When you visit our site directly, or via one of our partner's sites, we do collect usage information or "session data," but it is anonymous and is not linked to you as an individual. We use this data to improve our site content and make design changes to increase ease of use and to understand things such as:

• How visitors navigate around our site
• How many visitors arrive at specific pages
• What are the length and frequency of visits
• What type and variety of searches occur
• What browsers and computer operating systems do our visitors use
• What Internet Protocol addresses do visitors originate from

How We Protect Your Information

We are committed to safeguarding your information. For that reason we employ security technology practices and utilize the latest security technology available. Specifically, your information is secured from unauthorized access from the Internet through market leading firewall technology. We also protect the connection between your computer and our server from eavesdropping through industry-standard encryption technology known as Secure Socket Layer (SSL).

Depending on your browser, this SSL will have encryption keys of up to 128 bits. To ensure that we fulfill our commitment to safeguard your information, we continually assess new technology for protecting your information. We do this to make sure our information handling practices are in accordance with the highest industry standards and best practices on the Internet at all times.

Effective Date

The effective date of this policy is February 08, 2005. It replaces all prior privacy policies issued by Ardent Financial, LLC. We reserve the right to change our policy. Revisions of this policy will be posted on our Web site and mailed to our customers periodically and whenever required by law. Visitors to our Web site should review our privacy policy from time to time to stay abreast of changes. If any proposed change is unacceptable to you, you may as discussed above, request that we remove your Personal Information from being actively used for certain programs. For questions email us at OptOut@ardentfinancial.com.

Violations of Terms and Conditions

Ardent Financial, LLC reserves the right to seek all remedies available within the law and in equity for violations of these Terms and Conditions, including the right to block access from a particular internet address to the Site. You agree to indemnify, defend, and hold harmless Ardent Financial, LLC, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the Site by you or any other person accessing the Site using your username and password.

These terms and conditions are governed by and interpreted pursuant to the laws of the State of Delaware, United States of America, notwithstanding any conflicts of laws, principles, and venue shall rest exclusively in the courts situated in the State of Colorado, Adams County. If any part of these Terms and Conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining Terms and Conditions.

Here's how you contact us:

1. Email us at CustomerCare@ardentfinancial.com.
2. Write to us at:
   
   Ardent Financial
   P.O. Box 21410
   Denver, CO 80221-9998