Acceptance of Terms
The services that Financial Education Services, Inc., (FES) provides are subject to the following Terms and Conditions (“
TAC ”). FES reserves the right to update the
TAC at any time without notice to you. The most current
TAC can be reviewed by clicking on the Terms and Conditions
hyperlink located at the bottom of our web pages.
Description of Services
FES provides you with access to a variety of resources
including the pre-discharge bankruptcy course as required by the Bankruptcy Abuse
Prevention and Consumer Protection Act of 2005 (BAPCPA). These services, including any update and additions, are subject to the TAC.
FES does not warrant the completeness, timeliness,
or accuracy of the Services available on this website. In no event will FES be liable to any party for any direct, indirect, special,
or other damages for any use of or reliance upon the information found at this
web site, or on any linked web site, including, without limitation, lost profits,
business interruption, loss of programs or other data, even if
FES expressly advised of the possibility of such damages.
Personal Use Limitation
The Services are for your personal use. You may not modify, copy, distribute,
transmit, display, reproduce, publish, license, or sell any information obtained
Use of the Software provided on this site is governed by the terms of the user
agreement which accompanies the Software. An end user will not be able to install
any Software unless he or she first agrees to the terms of the agreement.
Privacy and Protection of Personal Information
Customer Account, Password, and Security
Customer account numbers and passwords will be provided by FES
. You are entirely responsible for the confidentiality of your account number
and password. Furthermore, you are responsible for any and all activities
that occur under your account. You agree to notify FES
immediately of any unauthorized use of your account or any other breach in security.
FES will not be liable for any loss that you may incur
as a result of someone else using your account number or password, either with
or without your knowledge. You may not use anyone else’s account number at any
Unlawful or Prohibited Use
You may not attempt to gain unauthorized access to any Services, other accounts,
computer systems or networks connected to any FES
server or to any of the Services, through hacking, password mining or any other
means. You may not obtain or attempt to obtain any materials or information
through any means not intentionally made available through the Services.
From time to time, we may provide links to external websites. These links area
will let you leave the site. These linked sites are not under the control of FES. FES is not responsible
for the contents of any linked site or any link contained in a linked site, or
any changes or updates to such sites. FES is providing
these links to you only as a convenience, and the inclusion of any link does
not imply endorsement by FES of the site.
You authorize FES to collect from you and any party
and to retain all relevant information relating to your use of the site, and
you hereby authorize any party to provide us with such information.
You agree to defend, indemnify and hold FES and its affiliates
harmless from any and all liabilities, costs and expenses, including reasonable
attorneys fees, related to any Violation of this Agreement by you or users of
your account, or in connection with the use of the site or the Internet or the
placement or transmission of any message, information, software or other
materials on the site or on the Internet by you or users of your account. Nothing
herein shall apply to actions or claims under the provisions of the United States
Bankruptcy Code, 11 U.S.C. Sec. 101 et seq.
Copyrights and Trademarks
Financial Education Services, Inc. SM and
other names, logos and icons identifying BKClass.com, 1–800-BKCLASS, and/or Financial
Education Services, Inc., products and services referenced herein are sales
marks, trademarks or registered sales marks and trademarks of
FES. All other product and/or brand or company names mentioned herein
are the trademarks of their respective owners.