Terms of Use

Last Updated: April 28, 2026

Please read carefully before using this website.

Welcome to this website (the “Site”) of Nelnet Business Solutions, Inc. and its subsidiaries (“NBS”, “we”, “our”, “us”). Access to and use of the Site are subject to these terms and conditions (“Terms”) and all applicable laws. By accessing any areas of the Site, you agree to be bound by these Terms. If you do not agree to all of the Terms, please do not use the Site. We may revise these Terms from time to time by updating this web page. Your use of our Site following any such change constitutes your agreement to follow and be bound by the Terms as changed. If any change is unacceptable to you, your only recourse is to terminate your use of the Site. We may also change, move portions of, delete portions of, or add to the Site from time to time.

Communications With Us

Except as indicated in a secure area of the Site, any information or communication, including but not limited to remarks, suggestions, ideas, questions, or comments, transmitted to us via the Site or Internet electronic mail, is our exclusive property and is not confidential. WE CANNOT GUARANTEE THE CONFIDENTIALITY OF TRANSMISSIONS OVER THE INTERNET (UNLESS OTHERWISE INDICATED), INCLUDING ANY TRANSMISSION OF PERSONAL INFORMATION BY YOU TO US. Unless otherwise stated, We are 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 us 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). If you use our loan calculators, the estimates given may differ from the actual amounts. All interest rates and repayment matters are determined by you and your lender.

It is our policy to respect the privacy of individuals who visit the Site. Our privacy policy (the “Privacy Policy”) is incorporated herein by reference. By accepting these Terms, you expressly consent to the use and disclosure of your personally identifiable and other information as described in the Privacy Policy.

If you use this Site in a manner that requires you to set up an account with a user name and password, you are responsible for maintaining the confidentiality of that user name and password and for restricting access to your computer. You agree to accept all risk and responsibility for all activities that occur under your user name and password.

Any use by you of another user’s information, personal or otherwise, for any commercial purpose or to obtain direct financial gain (including, but not limited to, use for mass marketing purposes) is prohibited. Any such use shall be deemed to be a violation of these Terms. The Site is to be used by you for your personal use only. Commercial uses of the Site are strictly prohibited unless you receive prior written consent from us. You agree that you will not use the Site for chain letters, junk mail, “spamming,” solicitations (commercial or non-commercial), or bulk communications of any kind, including but not limited to, distribution lists to any person who has not given specific permission to be included in such a list.

You represent and warrant to us that nothing submitted by you to the Site shall contain any content which (i) is harassing, libelous, defamatory, abusive, threatening, harmful, vulgar, obscene, profane, sexually oriented, racially offensive, inaccurate, or otherwise objectionable, (ii) violates any law, rule, or regulation, (iii) infringes, misappropriates, or otherwise violates any copyright, trademark, or other intellectual property right, right of privacy, right of publicity, or any other right of any entity or person, (iv) encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law or regulation, (v) advertises or otherwise solicits funds or is a solicitation for goods or services or (vi) encourages the use of controlled substances. We reserve the right to delete any such material from the Site.

You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or consultant of ours. You further agree not to use an inappropriate user name of any kind.

You acknowledge and agree that you may not upload, post, reproduce, or distribute any content on or through the Site that is protected by copyright or other proprietary right of a third party, without obtaining permission of the owner of such right. Any copyrighted or other proprietary content distributed with the consent of the owner must contain the appropriate copyright or other proprietary rights notice. The unauthorized submission or distribution of copyrighted or other proprietary content is illegal and could subject you to personal liability or criminal prosecution.

If you believe that your copyrighted work or the copyrighted works of others have been infringed, please send a written notification of claimed infringement to our copyright agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the copyright owner; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the allegedly infringing material is located on the Site; (iv) your telephone number, address, and e-mail address; (v) a statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law and (vi) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Our agent for notice of claims of copyright infringement on the Site is found below in the Dispute Resolution section

Upon our receipt by of notice of claimed copyright infringement containing the information specified above, we will promptly remove the allegedly infringing material from the Site. You agree that we shall have no liability to any user of the Site for the removal of any such material.

Warranty Disclaimer

THE SITE, ANY SERVICE OFFERED ON OR THROUGH THE SITE, AND THE ENTIRE CONTENTS AND SOFTWARE ON THE SITE, ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND WHATSOEVER. WE EXPRESSLY DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF PERFORMANCE OR COURSE OF DEALING. WE MAKE NO WARRANTY OR GUARANTY THAT THE CONTENTS OF THE SITE ARE COMPLETE, ERROR-FREE, OR THAT THE SITE WILL OPERATE IN A MANNER THAT IS SECURE (UNLESS OTHERWISE INDICATED), UNINTERRUPTED, OR ERROR-FREE, OR THAT THE SITE IS OR WILL BE MAINTAINED FREE OF VIRUSES OR OTHER HARMFUL CODE. IT IS UP TO YOU TO TAKE ANY AND ALL PRECAUTIONS TO ENSURE THAT THE INFORMATION YOU ACCESS AND USE FROM THE SITE IS FREE OF SUCH ITEMS AS VIRUSES, WORMS, TROJAN HORSES, AND OTHER ITEMS OF A DESTRUCTIVE NATURE. CHANGES MAY BE MADE TO THE CONTENTS AND SOFTWARE ON THE SITE, AND THE PRODUCTS AND SERVICES DESCRIBED WITHIN OR OFFERED ON THE SITE, AT ANY TIME WITHOUT NOTICE. WE USE REASONABLE EFFORTS TO INCLUDE ACCURATE, AND UP-TO-DATE INFORMATION ON THE SITE. WE ARE NOT RESPONSIBLE FOR TECHNICAL, HARDWARE, OR SOFTWARE FAILURES OF ANY KIND; LOST OR UNAVAILABLE NETWORK CONNECTIONS; OR INCOMPLETE, GARBLED, OR DELAYED COMPUTER TRANSMISSIONS.

Limitation of Liability

BY USING THE SITE, YOU AGREE THAT WE WILL NOT FOR ANY REASON OR CIRCUMSTANCE, AND REGARDLESS OF LEGAL THEORY, WHETHER IN TORT, CONTRACT, OR OTHERWISE, BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER 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, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY APPLIES, BY WAY OF EXAMPLE BUT WITHOUT LIMITATION, TO ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH (I) YOUR ACCESS TO, USE OF, OR INABILITY TO USE, THE SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THE SITE), OR (II) ANY ERRORS OR OMISSIONS IN THE CONTENT OF, OR PERFORMANCE OF THE SOFTWARE ON, THE SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THE SITE). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO SUCH EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, SUCH EXCLUSIONS SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold us harmless from and against any and all claims, losses, damages, liabilities, costs, and expenses, (including, but not limited to, attorneys’ fees), arising from or related to your (i) use of the Site or (ii) violation of any of these Terms.

Copyrights, Trademarks, and Servicemarks

The Site and all information, documentation, and other content (“Content”) posted in or on the Site are protected by copyright. All rights reserved. Unless stated to the contrary, all Content is our property or of our third party licensors. By making this Content available on the Site, we are not waiving any proprietary rights (including copyrights or trademarks) in such Content, and are not transferring its rights to you or any third party. The Content is protected by U.S. and international copyright laws. The product and service names and logos on the Site, and the appearance of the Site, including icons and graphics (“Marks”), are our servicemarks/trademarks, registered servicemarks/trademarks and/or trade dress or those of our third party licensors. Unauthorized use is prohibited.

You agree not to remove copyright, trademark, or other notices from any Content or Marks you may get from the Site. You cannot download or copy any content from the Site without our prior written consent except for your individual use. No right, title, or interest in any downloaded materials is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell, or participate in any sale of, or exploit in any way, in whole or in part, any of the Content, Marks, the Site, or any related software.

External Links

To the extent links are provided from the Site to other websites that are not managed by us, we do not operate or control any information, products, or services on, nor endorse nor approve any products, services, or information offered at those sites.

Remedies

In the event that we determine, in our sole discretion, that you have breached any of the Terms, or have otherwise engaged in inappropriate conduct, we may, in addition to any other remedies that may be available, (i) warn you of the violation via e-mail; (ii) delete any content provided by you or your agent(s); (iii) terminate your use of the Site; (iv) notify and fully cooperate with the proper law enforcement authorities for further action; or (e) take any other action which we deem to be appropriate.

Dispute Resolution

Pre-Dispute Notification. Prior to initiating any claim, dispute, or controversy arising out of or relating to these Terms, the Site, or any services offered thereon (“Dispute”), you must first provide us with written notice describing the nature of the Dispute and the relief sought (“Notice of Dispute”). The Notice of Dispute must be sent by certified mail to:

Nelnet Business Solutions, Inc.

Attn: Legal Department,

121 South 13th Street, Suite 100,

Lincoln, Nebraska 68508

You agree to negotiate in good faith with us for at least sixty (60) days from the date we receive your Notice of Dispute before initiating any legal proceeding. Failure to comply with this pre-dispute notification requirement shall result in dismissal of any claim filed without prejudice.

Binding Arbitration

If a Dispute cannot be resolved through the pre-dispute notification process, you agree that any Dispute shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted in Lincoln, Nebraska, before a single arbitrator selected by the AAA. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator shall have no authority to award punitive or exemplary damages, or any damages excluded under these Terms.

Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN ARBITRATION OR COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You expressly waive any right to participate as a plaintiff or class member in any class action, collective action, private attorney general action, or other representative proceeding against us. If this class action waiver is found unenforceable, then the entirety of this class action provision shall be null and void, and the Dispute shall proceed in court subject to the jury trial waiver below.

Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE THE RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR ANY DISPUTE.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Injunctive Relief

Notwithstanding the foregoing, we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights, confidential information, or to prevent unauthorized access to or use of the Site, without being required to post bond or prove actual damages.

Termination

These Terms are effective unless and until terminated by us. We may terminate all or part of the Site at any time without notice to you. Upon any termination of these Terms or the Site, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials.

Law that Governs the Site

Information on the Site includes descriptions of products and services available only in the United States of America. These Terms are governed by and interpreted pursuant to the laws of the State of Nebraska, United States of America, notwithstanding any conflicts of laws principles, and venue shall rest exclusively in the courts situated in the State of Nebraska, Lancaster County. If any part of these Terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining Terms.

Entire Agreement

These Terms constitute the complete and exclusive statement of the mutual understanding of the parties and supersede and cancel all previous written and oral agreements and communications relating to the subject matter hereof. No failure or delay in exercising, on the part of either party, any privilege, power, or right hereunder will operate as a waiver thereof. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

Special Notice for New Jersey Users

By using this website, you: (a) assume all risks of losses or damages resulting from your use of or inability to use this website; (b) irrevocably waive all losses or indirect, special, consequential, punitive or incidental damages (including, without limitation, those resulting from lost profits, lost data or business interruption) that may occur as a result of your use of this website; and (c) expressly agree to release and discharge us, and our affiliates, employees, agents, representatives, successors, or assigns from any and all claims or causes of action resulting, directly or indirectly, from your use of this website; and (d) you voluntarily give up or waive any right that you may otherwise have to bring a legal action against us for losses or damages, whether based on warranty, contract, tort or other legal theory, including any claim based on alleged negligence on the part of us and our agents and employees. You acknowledge that you have carefully read this “waiver and release” and fully understand that it is a release of liability.