Terms of use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms of use (together with the documents referred to in them) tell you the terms on which you may use www.ErudioStudentLoans.co.uk ("our Site"), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

By using our site, you confirm that you accept these terms of use (the "Terms") and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

Information about us

www.ErudioStudentLoans.co.uk is a site operated by Erudio Student Loans Limited ("we", "us" or "our"). We are registered in England and Wales under company number 8605918 and have our registered office at c/o Wilmington Trust Sp Services (London) Limited, Third Floor, 1 King's Arms Yard, London EC2R 7AF. We are a limited company.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy Policy, sets out the terms on which we process any personal data we collect from you, or that you provide to us.

Our Cookie Policy, which sets out information about the cookies on our site.

By using our site, you agree to the terms and consent to us processing information about you in accordance with the Privacy Policy and Cookies Policy.

These terms and conditions will only apply to use of our site (including submission of data through it). They will not alter your rights, obligations and liabilities under your existing student loan agreement which will continue to apply.

Changes to these terms

We may revise these terms of use at any time by amending this page.

Please check this page regularly for any changes we have made, as they will apply to your continued use of our site after the changes have been made.

Changes to our site.

The content on our site is provided for general information only and in order to facilitate the online management of your student loan. It is not intended to amount to advice on which you should rely and we have the right to change or withdraw it at any time. Although we make reasonable efforts to update the information on our site, it is provided free of charge and we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

We do not guarantee that our site or the materials ("Materials") will be free from errors or omissions. In particular you must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or uninterrupted. Access to our site and its content or any materials made available on or through our site is permitted on a temporary basis. We may suspend, withdraw, discontinue, restrict access to or change all or any part of our site without notice and without liability. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

We also reserve the right to restrict certain areas of our site to users who are registered users of our site. You shall not access or attempt to access any part of our site or any Materials that you are not authorised to access.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Your account and password

Access to and use of certain parts of our site is restricted to registered users of our site. Subject to our right to refuse registration at our absolute discretion, you may register with us for:

a)      viewing your account details and outstanding balance;

b)      making payments;

c)       setting up Direct Debit payments; or

d)      making deferment applications.

We are not obliged to accept any request for registration. Accepting or rejecting any such request is our sole discretion.

By submitting a registration form you confirm that you are authorised to register or, if you are submitting on behalf of someone else, that you have appropriate permission and authority to register on behalf of that person. 

When you register you may choose your own username and password. If we accept your registration, we will confirm the username that you have selected. If you choose a username that is in use or inappropriate, you will be asked to choose another username.

You must at all times keep your password and username confidential. You must notify us immediately of any unauthorised use of your username or password, or of any breach of security known to you. We can reset and/or require you to change your username and/or password for security reasons at any time. 

You are responsible for all activities which occur under your username and password, save where such activities occur as a direct result of our own negligence.

Before we can accept any request for registration, we may ask for further details about you, including your address, loan(s) account, reference details, date of birth, last payment and telephone number. You agree to provide any such details upon request.

We have the right to disable any user account or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use or if we consider continued use of the account is likely to cause a security issue or to impair the operation of our site.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us by phone on 0333 003 7188.

Your additional obligations

You will not:

(a)    use our site for any illegal purpose and you agree to use our site in accordance with all relevant laws;

(b)   upload or transmit through our site any material which is defamatory, offensive, or of an obscene or menacing character;

(c)    use our site in a manner which: (i) may cause our site to be interrupted, damaged or rendered less efficient; or (ii) violates the rights of any other person (including, but not limited to, rights of intellectual property, confidentiality or privacy);

(d)   use our site in order to transmit, or procure the sending of any unsolicited or unauthorised advertising, promotional or other materials of any nature (spam);

(e)   use our site in order to interfere with, damage or disrupt our site, any other website, or any computer equipment, network, systems or software. Interference, damage and disruption shall include, without limitation:

(f)    knowingly transmitting any data, or sending or uploading any material that contains viruses or technologically harmful material; or

(g)   denial of service attacks or distributed denial of service attacks; or

(h)   accessing any website, computer equipment, network, systems or software that you are not authorised to access.

(i)     create or publish a hypertext link to any part of our site without our express written consent;

(j)     use any of the content of our site or any of our (or any third party licensor's) names, logos, brands or marks without our express written consent; or

(k)   attempt any unauthorised access to any part of our site.

You agree to ensure that all information you provide to us is accurate and up to date.

You agree that, in the event you have any right, claim or action against any third party arising out of that third party's use of our site, then you will pursue such right, claim or action independently of us.

Where applicable, we may report any criminal offences committed by you, in breach of the above provisions, to the relevant law enforcement authorities and we reserve the right to co-operate with those authorities by disclosing your identity to them. If you do fail to comply with these terms, your right to use our site will cease immediately.

If you intend to make a payment, set up a Direct Debit or deferment application please refer to the terms and conditions of your student loan. For the avoidance of doubt those terms and conditions will continue to govern any of your activities on our site relating to the management and repayment of your student loan in addition to these terms of use.

Our additional rights

We may investigate any complaints relating to our site and take any action that we believe is appropriate (which may include, but is not limited to, removing any materials from our site).

Our site is subject to change from time to time. You will not be eligible for any compensation because you cannot use any part of our site or because of a failure, suspension or withdrawal of all or part of our site for any reason.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights (including but not limited to patents, registered designs, design rights, copyright, database rights, trademarks, service marks, rights and goodwill in trade or business names, and rights in inventions, know-how and trade secrets) in our site, in all materials and content contained within our site, including the design, text, graphics and arrangement of items, shall remain at all times owned by us or our licensors. You are permitted to use these materials and content only as expressly authorised by us. 

You may print off one copy, and you may download extracts, of any page(s) from our site for your personal use.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site or any materials must always be acknowledged.

You acknowledge and agree that the materials and content contained within our site are made available for your personal, private, non-commercial use only. You shall not download, reproduce, duplicate, copy or distribute any part of our site or any materials other than as expressly permitted by these terms without our prior written consent.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Limitation of our liability

Without prejudice to your rights under applicable law, our site and all materials are provided free of charge for personal, private non-commercial use on an 'as is' and on an 'as available' basis. Although we will always try to maintain accuracy and availability of the site, we do not make any commitment that our site is accurate and up to date or that it will be available at any time. On this basis we will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with unavailability or inability to use our site.

Please note that in no circumstances, will we be liable for any business losses you may suffer as our site is not intended to be for business use. Nor will we be liable for:

• any virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it; or
• loss or damage that may arise from use of third party websites linked on our site.

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Nor do these exclusions apply to any liability we may have to you under the terms of your student loan(s).

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own virus protection software.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

Third party links and resources in our site

Please note that we do not verify the accuracy of any materials provided by third parties. We may, from time to time, provide links to other websites and/or include adverts relating to third party products or services on our site. You acknowledge and agree that we are not liable or responsible for the availability of such other sites or for any information, products or services offered by any such third parties that are advertised on our site. 

You acknowledge and agree that we have not verified or vetted any information, services or content available on third party content or websites and that by including any such links or adverts on our site we are not making any endorsement of those websites or the information, products or services available on or through such websites. 

You agree that you solely are responsible for determining whether such websites and any information, services or products available via those websites are appropriate for you and we strongly recommend that you review the applicable terms of use, including how those websites deal with your personal information.

Applicable law

These terms shall be governed by and construed in accordance with English law.  Disputes arising in connection with them shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. 

If any part of these terms is found to be invalid by any court or other regulatory or competent body, the invalidity will not affect the rest of the terms, which shall remain in force.

Contact us

To contact us, please use the details from our Contact Us page.

Any notices or communications that we send to you will be sent to the email address you registered with us or to the address of which you have notified us from time to time.

Thank you for visiting our site.