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Terms of Use

Last updated: August 28th, 2024

Overview

 

These terms of use (“Terms” or “Terms of Use”) set forth the terms and conditions that apply to your access and use of the websites (including, the Apprenta Site), online functions, products, and services (including, Apprenta Products and Services) made available to you by Bellbird Rise, Inc., dba Apprenta (“Apprenta”), and any future companies related to the Apprenta brand that may offer additional products and services (individually and collectively, “Apprenta,” “we,” “us,” “our”). You can access Apprenta’s products and services and certain third party’s products and services offered through Apprenta (collectively, “Apprenta Products and Services”) through https://apprenta.co, any third-party website or application that links to information from Apprenta, and any phone, email, and additional website made available by Apprenta that allows you to access Apprenta Products and Services (collectively, the “Apprenta Site”). These Terms of Use apply to all users of the Apprenta Site, including, without limitation, users who are browsers, vendors, customers, merchants, and/or contributors of content.

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To use the Apprenta Site and to obtain any Apprenta Product and Service, you must agree that you read, understand, and agree to be bound by these Terms of Use, the Electronic Communications Consent, the Privacy Policy, and all other agreements with Apprenta. Your agreement to the Electronic Communications Consent means that all of these agreements are effective and binding on you just as if you had signed the document with pen and ink and you agree all communication with you related to Apprenta, the Apprenta Site, and any Apprenta Product and Service may be in electronic form.

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If you do not agree to all of these Terms of Use, then do not access or use the Apprenta Site, do not register with Apprenta, and do not apply for or use any Apprenta Product and Service. Taking any of these actions means that you agree to these Terms of Use.

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SECTION 1

Eligibility

 

By agreeing to these Terms of Use, you represent that you are a United States resident, located in the United States, and at least the age of majority in your state of residence (or in the District of Columbia, if you reside there). No one located outside the United States or under the age of 18 may use the Apprenta Site or a Apprenta Product and Service.

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Apprenta reserves the right to refuse service to anyone for any reason at any time, unless otherwise prohibited by law. If you violate any of these Terms of Use, or violate any other agreement with us, we may, in addition to other remedies, with or without notice, immediately terminate your registration to, and/or disconnect you from, the Apprenta Site and/or prohibit you from using or accessing the Apprenta Site and any Apprenta Product and Service.

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SECTION 2

Privacy

 

Apprenta’s Privacy Policy and any applicable lender’s or employer’s privacy policy and related documents explain how the personal information you provide on this website is used and protected by Apprenta and/or such lender or employer when you use the Apprenta Site. By agreeing to these Terms of Use, you agree that you have read these documents and consent to the sharing of any information consistent with them.

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SECTION 3

Accuracy of Information Provided to Apprenta and Apprenta’s Lending Partners

 

You agree to provide Apprenta and our lending partners with current, complete, and accurate information in the inquiry and application process. You also agree to promptly update your information, including your home and email address, so that we can complete your transactions and contact you as needed.

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SECTION 4

Apprenta Products and Services

 

Apprenta is not a lender and you authorize Apprenta to submit your application for credit to a financial institution. Your employer and the financial institution, and not Apprenta, will make a decision on your loan application and agree or not to lend you money.  Apprenta does not guarantee that a lending partner or your employer will extend an education loan to you.  Apprenta reserves the right to modify or discontinue products and services at any time without notice. 

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SECTION 5

Accuracy, Completeness, and Timeliness of Information

 

We are not responsible if information made available on the Apprenta Site is not accurate, complete, or current. The material on the Apprenta Site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on the Apprenta Site is at your own risk.  Further, material on the Apprenta Site does not constitute tax, legal, or financial advice; users should consult their own tax, legal and financial advisors for advice.

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Occasionally there may be information on the Apprenta Site that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, auto loan and insurance terms and concepts, pricing, promotions, offers, product charges, transit times, and availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel requests if any information on the Apprenta Site or related to a Apprenta Product and Service is inaccurate at any time without prior notice (including after you have submitted your request).

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We undertake no obligation to update, amend, or clarify information on the Apprenta Site or related to an Apprenta Product and Service, except as required by law. No specified update or refresh date applied should be taken to indicate that all information has been modified or updated.

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The Apprenta Site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of the Apprenta Site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to the Apprenta Site, as discussed above.

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SECTION 6

Apprenta Communications

 

By accepting these Terms of Use, you expressly give permission to Apprenta and our employees, agents, representatives, affiliates, and any other person acting on behalf of Apprenta (collectively, “Apprenta agents”) to contact you at any telephone number, email address, mailing address, or any other form of contact you provide to Apprenta or one of our lending or service providers. If the email address you provide is for an account shared by others or provided by your employer, you understand and agree that others may have access to the content of the email communications between Apprenta and you. You further agree that Apprenta is not liable for any disclosure of confidential information to others who have access to the email account. You agree that Apprenta and Apprenta agents may contact you about any matter relating to your inquiry and/or application for an Apprenta Product and Service, the marketing of an Apprenta Product and Service, and any other reason described in Apprenta’s Privacy Policy or other related agreement. You also agree that Apprenta and Apprenta agents may contact you through any means, including emails, SMS, text messages, calls using pre-recorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else, and messages may be left on your answering machine, voice mail, or text messages may be sent. Any call or contact may be on a recorded line or through a recorded messaging service. Depending on the status of your request for and/or use of an Apprenta Product and Service, you may revoke your consent to any of the communications described in this paragraph by sending an email to help@apprenta.co or through any other means provided through the communication.

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You agree that Apprenta and Apprenta agents may send SMS notifications to you, and you agree that you have the capability to access, view, and retain such communications. You also understand that you may incur costs to receive any phone messages, text messages, emails, or other correspondence. You agree that you are responsible for any and all charges associated with these messages, including, but not limited to, fees associated with text messaging imposed by your communications service provider.

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SECTION 7

Third-Party Links, Content, Products, and Services

Certain content, products, and services available via the Apprenta Site may include materials from third parties and/or may be provided or fulfilled by third parties. Third-party links on the Apprenta Site may direct you to third-party websites that are not affiliated with us. In addition, you may reach the Apprenta Site through your use of a third-party website. We are not responsible for examining or evaluating the content or accuracy, and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites or products and services that are offered or fulfilled by third parties. Please review carefully the third-party’s policies and practices, including without limitation their terms of use and privacy policies, and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products or services should be directed to the third-party.

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SECTION 8

Optional Tools

 

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

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Any use by you of optional tools is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s). We may also, in the future, offer new services and/or features through the Apprenta Site (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Use.

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SECTION 9

User Comments, Feedback, and Other Submissions

 

If, at our request, you send certain specific submissions (for example contest entries or responses to request for feedback) or, without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any Comments that you forward to us. We are and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay compensation for any Comments; or (3) to respond to any Comments.

We may, but have no obligation to, monitor, edit, or remove Comments or other content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use.

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You agree that your Comments will not violate any right of any third party, including copyright, trademark, privacy, personality, or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Apprenta Site, an Apprenta Product and Service, or any related website, product, or service. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. We take no responsibility and assume no liability for any Comments posted by you or any third party.

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SECTION 10

Apprenta Trademarks and Copyright

 

Apprenta’s trademarks and the material accessible on the Apprenta Site are proprietary to Apprenta or the party that provided the material to Apprenta. Apprenta or the party that provided the material to Apprenta retains all rights, title, and interest in the material. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any material accessible on the Apprenta Site without the prior express written permission of Apprenta.

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SECTION 11

Copyright Complaints

 

If you have reason to believe that your content has been copied and/or is accessible on the Apprenta Site in a way that constitutes copyright infringement, or that the Apprenta Site or a Apprenta Product and 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 send a written notification to us via email at help@apprenta.co or via regular mail at Bellbird Rise, Inc., dba Apprenta, 1701 Rhode Island Ave NW, Suite, Washington, DC 20036. The notice should include 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):

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

  • Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at the Service are covered by a single notification, a representative list of such works at the Service;

  • 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;

  • Information reasonably sufficient to enable us to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;

  • 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; and

  • 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.
     

SECTION 12

Prohibited Uses

 

You agree to abide by all applicable laws and regulations in your use of the Apprenta Site and a Apprenta Product and Service. In addition to other prohibitions set forth in these Terms of Use, you agree that you will not do any of the following with respect to the Apprenta Site or a Apprenta Product and Service:

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  • Submit false or misleading information, including impersonating any person or entity or falsely stating or otherwise misrepresenting yourself, your age, or your affiliation with any person or entity.

  • Use the Apprenta Site or a Apprenta Product and Service for any illegal, unauthorized, immoral, or obscene purpose;

  • Solicit others to perform or participate in any unlawful acts;

  • Violate any international, federal, provincial, or state regulation, law, or ordinance;

  • Infringe upon or violate Apprenta’s intellectual property rights or the intellectual property rights of others;

  • Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on sex, gender, sexual orientation, religion, ethnicity, race, color, age, national origin, disability, or any other legally protected characteristic;

  • Submit content that in Apprenta’s judgment is objectionable, such as content that is harmful threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or immoral;

  • Upload or transmit viruses, worms, ransomware, or any type of malicious code that will or may be used in any way that will affect the functionality or operation of the Apprenta Site, other websites, or the Internet;

  • Disturb or interfere with the operation of the Apprenta Site or impede or interfere with others’ access, visitation, and/or use of the Apprenta Site;

  • Collect or track the personal information of others;

  • Spam, phish, pharm, pretex, spider, crawl, scrape, or otherwise use any bots, cheats, macros, scripts, any form of autoresponder, or automated process to access, visit, capture, compile, and/or use a Apprenta Product and Service or any data available through a Apprenta Product and Service.

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CAUTION: ANY ATTEMPT TO DO ANY OF THE ABOVE DISCUSSED PROHIBITED ACTS, OR TO OTHERWISE UNDERMINE THE OPERATION OF THE Apprenta SITE OR ANY Apprenta PRODUCT AND 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 PUNITIVE DAMAGES AND ATTORNEYS’ FEES) FROM ANY SUCH INDIVIDUAL OR ENTITY TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING CRIMINAL PROSECUTION.

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SECTION 13

Limitation of Liability

 

You agree that all access and use of the Apprenta Site and your use of an Apprenta Product and Service is at your own risk. In no case shall Apprenta, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability, or otherwise, arising from your use of the Apprenta Site or Apprenta Products and Services, or for any other claim related in any way to your use of the Apprenta Site or Apprenta Products and Services, including, but not limited to, any errors or omissions, failure of performance, interruption, defect, delay in operation or transmission, computer virus, line or system failure, or any loss or damage of any kind incurred as a result of the use of the Apprenta Site, Apprenta Products and Services, or any content posted, transmitted, or otherwise made available via the the Apprenta Site, even if Apprenta or any third party are advised of the possibility of such damages, losses, or expenses. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

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Apprenta shall also not be responsible or liable to you if we take action as a result of your violation of these Terms of Use.

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SECTION 14

Disclaimer of Warranties

 

We do not guarantee, represent, or warrant that your use of the Apprenta Site and Apprenta Products and Services will be uninterrupted, timely, secure, or error-free.

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We do not warrant that the results that may be obtained from the use of the Apprenta Site or any Apprenta Products and Services will be accurate or reliable. Any information about a potential loan or insurance policy provided prior to final agreement with our lending or insurance partners are estimates that are subject to change and may be different from actual amounts.

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You expressly agree that your use of, or inability to use, the Apprenta Site and Apprenta Products and Services is at your sole risk. The Apprenta Site and Apprenta Products and Services are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

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SECTION 15

Indemnification

 

You agree to indemnify, defend, and hold harmless Apprenta and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from and against any claim, proceeding, demand, loss, damage, fine, penalty, interest, and expense (including, without limitation, reasonable attorneys’ fees) arising out of or in connection with (1) your access to or use of the Apprenta Site and Apprenta Products and Services, (2) your breach of these Terms of Use or any other agreement or document they incorporate by reference, or (3) your violation of any law or the rights of a third party. These obligations survive any termination of these Terms of Use.

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SECTION 16

Termination

 

The obligations and liabilities of the parties incurred within these Terms of Use are effective unless and until terminated by either you or us. You may terminate these Terms of Use at any time by notifying us that you no longer wish to use the Apprenta Site and/or Apprenta Products and Services, or when you cease using the Apprenta Site; provided that these Terms of Use shall remain in effect until you stop using the Apprenta Site and any Apprenta Product and Service.

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If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Use, we also may terminate this Terms of Use at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to the Apprenta Site or Apprenta Products and Services (or any part thereof).

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Even if a Apprenta Product and Service or your ability to access, visit, and/or use the Apprenta Site or Apprenta Product and Service or any portion thereof is terminated, discontinued, suspended, or restricted, by you or by us, we have no obligation to (but we may in our discretion) remove any content, and therefore copies of all information you may have posted, uploaded, transmitted, sent, or otherwise made available on or through the Apprenta Site and/or Apprenta Product and Service may be retained and/or remain viewable by us, our licensors, vendors, service providers, and/or other third parties. Apprenta has no obligation to retain, store, or provide you with any information with regard to content you may have posted, uploaded, transmitted, sent, or otherwise made available on or through the Apprenta Site.

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SECTION 17

Entire Agreement

 

These Terms of Use and any policies or operating rules posted by us on the Apprenta Site or in respect to a Apprenta Product and Service constitute the entire agreement and understanding between you and us and governs your use of the Apprenta Site and Apprenta Products and Services, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to any prior versions of the Terms of Use). Any ambiguities in the interpretation of these Terms of Use shall not be construed against the drafting party.

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In addition to these Terms of Use, you may enter into other agreements with us, our lending and insurance partners, and with others that will govern your use of the Apprenta Site and Apprenta Products and Services. If there is any contradiction between these Terms of Use and another agreement you enter into that is applicable to a Apprenta Product and Service, then the other agreement will take precedence as it applies to that Apprenta Product and Service only.

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SECTION 18

Governing Law, Waiver, and Severability

 

These Terms of Use and any separate agreements whereby we provide you any Apprenta Product and Service shall be governed by and construed in accordance with the laws Delaware without regard to its provisions relating to conflict of laws. You agree to submit to the personal and exclusive jurisdiction and venue of Delaware and federal courts located within Delaware. 

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The failure of Apprenta to exercise or enforce any right or provisions of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Use, giving effect to the parties’ intentions as reflected in the provision to the fullest extent possible. Such determination shall not affect the validity and enforceability of any other remaining provisions, and the other provisions of the Terms of Use shall remain in full force and effect.

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SECTION 19

Changes to Terms of Use

 

Apprenta reserves the right to update, change, or replace any part of these Terms of Use by posting a current version on the Apprenta Site without delivering any notice to you. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Apprenta Site following the posting of any changes constitutes acceptance of those changes. The date of the most recent revision will appear at the top of this page. If you do not agree with these Terms of Use, you may not access, visit, or use the Apprenta Site and any Apprenta Product and Service. 

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Apprenta reserves the right to modify or discontinue the Apprenta Site or any Apprenta Product and Service at any time and for any reason without notice to you. We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance.

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SECTION 20

Contact Information

Questions about these Terms of Use should be sent to us at help@apprenta.co

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