Welcome to Hold Fast to Dreams (“HFTD”).
HFTD may change the Terms from time to time, at the sole discretion of HFTD. Your continued use of the Site following the posting of such changes will constitute your assent to all such changes. Please periodically visit this section of the Site to review the current version of the Terms.
The Site is an information starting point. HFTD does not provide or replace individualized legal advice. The Site may include information which is out-of-date, jurisdiction-specific, or applicable only based on a specific set of facts and this may not apply to your situation. Use of the Services or Site does not create an attorney-client relationship between the user and HFTD or any of the HFTD contributors. If you are in need of legal advice, seek individual attorney advice and DO NOT rely on HFTD.
Reports, news articles, and other publications are provided or linked to for informational and educational purposes only. Their sole purpose on the Site is to stimulate learning, discussion, comment, and awareness about student loans.
All contents of this Site are protected by U.S. and international copyright laws. The copyrights to all outside materials featured on this Site remain the property of the organizations and agencies that produced them.
You understand that material made available by HFTD is a product of a community effort and does not necessarily represent the views of HFTD or the HFTD contributors. HFTD assumes no responsibility for the accuracy, suitability, or completeness of any content provided.
You understand that HFTD does not and cannot review all material made available through websites linked or linking to any part of the Site. You also understand that no such linking implies in any way that HFTD endorses or is affiliated with any third-party website. You agree that HFTD bears no responsibility or liability for any content accessed or harm caused from any third-party website.
Disclaimer of Warranties
HFTD CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE SITE.
Limitation of Liability
HFTD SHALL HAVE NO LIABILITY FOR LOSSES OR INJURY RESULTING FROM THE INFORMATION OR LACK OF INFORMATION PROVIDED HEREUNDER.
Governing Law and Entire Agreement
These Terms are governed by the laws of the State of California, without regard to the rules of conflict of law that may cause the laws of another jurisdiction to apply. You agree to the sole and exclusive jurisdiction and venue of the federal or state courts serving San Diego County in the State of California in the event of any dispute of any kind arising from or relating to the Site or Services, or your use or review of it. The Terms constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. If for any reason a court of competent jurisdiction finds any provision or portion of these Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.