Navigating College Ave: Understanding Terms of Use, Arbitration, and Contact Information

While a direct phone number for College Ave is not explicitly provided within the given text, this document outlines the terms and conditions of using the College Ave website and services. It's crucial to understand these terms, as they govern your interaction with the platform.

Agreement to Terms

By accessing or using the College Ave site, you agree to be bound by the Terms of Use, including the arbitration provision and class action waiver. Discontinue use if you do not agree with these terms. College Ave reserves the right to modify the Content at any time, without notice.

Content and Accuracy

The Content is provided for informational purposes only. College Ave believes that the Content is accurate, but it does not warrant its completeness, timeliness, or accuracy. Any examples, calculators, or other tools that College Ave may make available on the Site are to provide you with estimates only. These estimates may be different from actual amounts.

Site Usage and Restrictions

The Site, and the products and services described on the Site, are intended for use by individuals who are at least 13 years old. You may view the Content contained on the Site and print pages from the Site only for informational, non-commercial purposes. You agree that you will not duplicate, reproduce, sell, resell, use, or exploit the Content or the Site for any commercial purpose.

You agree not to use any robot, spider, automatic, or manual device to monitor or copy the Site or any Content. You will not interfere or use any device, software, or process to interfere (or attempt to interfere) with the proper working of the Site. You agree that when using the Site, you will not misrepresent your identity or impersonate any other person. Unauthorized use of the Site and/or College Ave systems, including but not limited to unauthorized entry into any of our systems or misuse of any Content posted on the Site, is strictly prohibited.

Account Termination

If you violate any provision of these Terms of Use, we reserve the right to terminate your access to the Site. Additionally, we, in our sole discretion, may suspend or terminate any user account that you have established with us at any time, with or without notice.

Disclaimer of Liability

By using the Site, you understand and agree that College Ave disclaims any liability (whether based in contract, tort, negligence, strict liability, or otherwise) for any direct, indirect, incidental, consequential, compensatory, punitive, or legal (whether under statute, regulation, or at common law) damages that may arise out of your access or use of the Site or your reliance on the Content.

Products and Services

The products and services described on the Site, including their terms, conditions, availability, or pricing, are subject to change at any time, without notice. Your eligibility for the products and services listed on the Site are subject to the final approval and acceptance of College Ave or other third party offering the product or service.

Intellectual Property

The works of authorship contained on the Site, including but not limited to all design, text, sound recordings, and images, are owned (except as otherwise expressly stated) by College Ave. They may not be copied, transmitted, displayed, performed, distributed (whether for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used-in whole or in part-except to the extent as expressly permitted by applicable law and then only with clear and conspicuous notice of College Ave’s proprietary rights.

Submitted Information

All information submitted to College Ave through the Site shall be deemed and remain the property of College Ave. College Ave shall be free to use (for any purpose) any and all ideas, concepts, know-how, or techniques that are contained in any information that you may submit to College Ave through the Site.

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Third-Party Sites

These links are provided solely as pointers to information on topics that may be useful to you. College Ave makes no warranties, either express or implied, concerning the content of any Third Party Site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose.

Site Availability

You understand and agree that from time to time the Site may be unavailable, limited due to slow speed, or otherwise delayed. This may be caused by a wide variety of reasons outside of the control of College Ave and despite commercially reasonable processes and procedures implemented by College Ave to maintain the Site. You also understand that, from time to time, the Site may be unavailable due to regular or other maintenance.

Mobile Alerts

You can receive alerts about the status of your loan or account from College Ave through your mobile device. Join by providing your mobile phone number during the application process or by updating your mobile phone number on your account. Message and data rates may apply. If you provide a cell phone number or a number that is later converted to a cell phone number, you expressly consent to us (or a third party loan servicer or debt collector acting on our behalf) using prerecorded or artificial voice messages, calls, messages from automated dialing systems, and text messages to contact you regarding the status of your application or loan.

Errors and Omissions

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR, AS WELL AS OTHER FACTORS, COLLEGE AVE AND ITS AFFILIATES ARE NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS FROM THE CONTENT MADE AVAILABLE ON THE SITE. YOU ACKNOWLEDGE THAT NEITHER COLLEGE AVE, ITS AFFILIATES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS WARRANT THAT THE PRODUCTS, SERVICES, OR CONTENT ON THE SITE WILL BE UNINTERRUPTED OR ERROR FREE.

Arbitration Agreement

Except as otherwise explicitly provided in this Arbitration Provision, College Ave, and any bank or financial institution with which College Ave partners, together with their parent companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns, and any of these entities’ employees, officers, directors, and agents and their successors, assigns, affiliates, and service providers (collectively, the “Transaction Parties”) and you may each elect to resolve any past, present, or future dispute or claim (“Dispute”) arising from or relating in any way to (i) the use of the Site, (ii) these Terms of Use, (iii) any loan application or any loan, refinancing, or other agreement relating to or made or obtained through the use of the Site, or (iv) the relationship between you and any Transaction Party in connection with any of the foregoing that cannot be resolved directly between you and a Transaction Party, by binding arbitration under the Consumer Arbitration Rules (“the Consumer Rules”) of the American Arbitration Association (“AAA”), rather than in court.

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Exceptions to Arbitration

Disputes about the validity, enforceability, coverage, or scope of this Arbitration Provision are for a court to decide.
Disputes seeking to enforce or protect intellectual property rights will not be subject to binding arbitration.
Any party may proceed with their individual claims in small claims court.

Governing Law

The Federal Arbitration Act, 9 U.S.C. 1 et seq., and federal arbitration law apply to this Arbitration Provision.

Arbitration Procedures

Either you or a Transaction Party can initiate arbitration through the American Arbitration Association (“AAA”) or by filing a motion to compel arbitration of claims filed in court. Any arbitration will be governed by the then-current Consumer Rules, and its Procedures for the Resolution of Disputes through Document Submission (“Document Submission Procedures”).

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