Website Terms of Use

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Paying For College  Scholarship Sweepstakes

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All Rights Reserved | © 2020 Cognition Financial Corporation

Paying For College 
Scholarship Sweepstakes

We are Giving Away $12,000 in College Scholarships

We are giving away a total of $12,000 in scholarships to help college students pay for the education they deserve.

Enter  monthly  for your chance to be one of  8  winners to receive a $1,500 scholarship. 

All Rights Reserved | © 2020 Cognition Financial Corporation

200 Clarendon Street, 3rd Floor, Boston, MA 02116

Cognition Financial Corporation (“we”, “our”, “us”) has designed SmartBorrowing.org (the “Site”) to provide you with simple guidance on how to navigate the process of paying for college.  As used on the Site, the term “you" means any person who views, accesses, uses, or obtains information from this Site or who obtains information by monitoring activity to and from the Site.

By using this Site and all others owned and maintained by us, you agree to the following terms of use, so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on the Site. You are bound by any such revisions if you continue to use the Site after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms of use.

You agree not to interrupt or attempt to interrupt the operation of this Site in any way. You understand that access to restricted areas of this Site may be a criminal violation. You agree not to access such location(s), nor attempt to obtain or decrypt any passwords or other security protection associated with the Site. You will not impersonate any person or entity, misrepresent your affiliation with a person or entity; or misrepresent the origin of any content provided to us. You agree to comply with our rules and policies regarding use of the Site, as published from time to time by us. You agree that your use of the Site will at all times be for a lawful purpose and you agree to comply with all applicable laws and regulations in your use of the Site. Possible evidence of use of this Site for illegal purposes will be provided to law enforcement authorities. You agree not to reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the Site or to copy (except as otherwise expressly permitted hereunder), modify or create derivative works of its content or any materials related to the Site or any of the services provided by us through the Site.

Privacy Policy
To view our privacy practices, please read our Privacy Policy

Ownership/Use of Content
The information contained in this Site is owned by us and is provided for your personal use and, except as otherwise expressly provided herein, may not be modified, copied, distributed, reproduced, republished, uploaded, downloaded, posted, transmitted or duplicated without our prior written consent.

Copyrights/Trademarks
All trademarks, services marks, trade names, logos, icons and domain names located on this Site are our property, or the property of others (where so indicated). Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on this Site without our written permission, or the permission of other owners, is strictly prohibited.

This Site contains software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright law. All such Material also is copyrighted as a collective work under the copyright laws, and we own a copyright in the selection, coordination, arrangement, and enhancement of such Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this Site (and to download software made available on the Site) solely for your personal use and in connection with researching the process of paying for college. Otherwise, you may not reproduce or distribute in any way Material protected by copyright without obtaining our prior written permission.

Disclaimers
NEITHER COGNITION FINANCIAL CORPORATION NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, AGENTS OR INDEPENDENT CONTRACTORS (INDIVIDUALLY AND COLLECTIVELY THE “DISCLAIMING PARTIES”) MAKE ANY claims, express or implied, about the accuracy or completeness of any of the content or functions of this Site (or any linked Site), or about any of the benefits or opportunities you may obtain at this Site. THE DISCLAIMING PARTIES hereby disclaim all warranties, express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The content and functions are provided "as is" and "as available". To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent required by law. In using this Site, you agree that you will not hold the Disclaiming Parties liable to you or any other party for any direct, indirect, special, consequential or other damages of any kind arising out of any use of this Site (or any Linked Website, as defined below).

Third Party Websites
We may provide links to other websites controlled or offered by third parties (“Linked Websites”). These links are offered for informational purposes only. Our inclusion of a link to a Linked Website does not imply approval or endorsement of the Linked Website or any products or services offered on Linked Websites. We are not responsible for the content, accuracy, reliability or opinions expressed in Linked Websites. We have not investigated or monitored the Linked Websites for accuracy or completeness. The Linked Websites may have different privacy policies and security standards from ours. We are not responsible if any terms shown on our Site differ from those shown on the Linked Websites.

Blogs and Posted Content

From time to time we may host blogs or allow third parties to post content to the Site.  Any content posted to the Site by a third party (either in a blog, a comment to a blog, or elsewhere) represent the views of the party(ies) posting such content.  We are not responsible for the content, accuracy, reliability or opinions expressed in such content, and we have not investigated such content for accuracy or completeness.  We disclaim such content in accordance with the “Disclaimers” section, above.

Minors
We do not intend to solicit information from children or market any products or services to children through this Site.

Security
We protect your privacy related to this Site. All personal information in our computers is protected from unauthorized access by a secure firewall and database architecture. Information may only be accessed by personnel who have a legitimate business reason to access it.

Viruses
We assume no responsibility, and will not be liable for, any damages to, or viruses that may infect, your computer equipment or other property caused by your access to, use of, or browsing of this Site or your downloading of any materials, data, text, video, or audio from this Site.

E-mail
E-mails that you send to us are not necessarily secure when they are transmitted to us. If your communication is sensitive or includes confidential information such as a Social Security Number, or if you need specific details about any information contained in our Site, you should contact us by regular mail or as indicated on the Contact page. If you choose to use e-mail to communicate confidential information, you assume the risk that your e-mail may not be secure.

Governing Law
The laws of the United States and the Commonwealth of Massachusetts will govern the content and use of this Site, without giving effect to conflict of law principles.

We control this Site from our offices within the United States. We make no representation that the content on our Site is appropriate, legal or available for use in other locations. Those who choose to access the Site from other locations do so at their own initiative and are responsible for compliance with applicable local laws. By registering for or entering this Site, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the Commonwealth of Massachusetts.

Compliance with Export Laws and Regulations
United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from our Site to either a foreign national or a foreign destination in violation of such laws.



Promotion runs from 05/28/20 to 01/31/21

FINAL: 05/26/20

US Sweepstakes & Fulfillment Company
Cognition Financial Paying for College Sweepstakes

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.

ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT. 

SWEEPSTAKES ENTRY PERIODS: The Sweepstakes begins at 12:00:00 AM Eastern Time (“ET”) on Thursday, May 28, 2020 and ends at 11:59:59 PM ET on Sunday, January 31, 2021 (the “Sweepstakes Period”). Within the Sweepstakes Period, there are eight (8) monthly Entry Periods (each, an “Entry Period”) and eight (8) corresponding Random Drawings (each, a “Drawing”) as defined in the “Entry Periods & Drawings Schedule” below. Entries must be received during an Entry Period to be eligible for that Entry Period’s drawing and prize. Non-winning entries for an Entry Period will not roll over to subsequent Entry Periods.  Sponsor’s computer is the official timekeeping device for this Sweepstakes.

Website Terms of Use 

Cognition Financial Corporation (“we”, “our”, “us”) has designed SmartBorrowing.org (the “Site”) to provide you with simple guidance on how to navigate the process of paying for college.  As used on the Site, the term “you" means any person who views, accesses, uses, or obtains information from this Site or who obtains information by monitoring activity to and from the Site.

By using this Site and all others owned and maintained by us, you agree to the following terms of use, so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on the Site. You are bound by any such revisions if you continue to use the Site after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms of use.

You agree not to interrupt or attempt to interrupt the operation of this Site in any way. You understand that access to restricted areas of this Site may be a criminal violation. You agree not to access such location(s), nor attempt to obtain or decrypt any passwords or other security protection associated with the Site. You will not impersonate any person or entity, misrepresent your affiliation with a person or entity; or misrepresent the origin of any content provided to us. You agree to comply with our rules and policies regarding use of the Site, as published from time to time by us. You agree that your use of the Site will at all times be for a lawful purpose and you agree to comply with all applicable laws and regulations in your use of the Site. Possible evidence of use of this Site for illegal purposes will be provided to law enforcement authorities. You agree not to reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the Site or to copy (except as otherwise expressly permitted hereunder), modify or create derivative works of its content or any materials related to the Site or any of the services provided by us through the Site.

Privacy Policy
To view our privacy practices, please read our Privacy Policy

Ownership/Use of Content
The information contained in this Site is owned by us and is provided for your personal use and, except as otherwise expressly provided herein, may not be modified, copied, distributed, reproduced, republished, uploaded, downloaded, posted, transmitted or duplicated without our prior written consent.

Copyrights/Trademarks
All trademarks, services marks, trade names, logos, icons and domain names located on this Site are our property, or the property of others (where so indicated). Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on this Site without our written permission, or the permission of other owners, is strictly prohibited.

This Site contains software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright law. All such Material also is copyrighted as a collective work under the copyright laws, and we own a copyright in the selection, coordination, arrangement, and enhancement of such Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this Site (and to download software made available on the Site) solely for your personal use and in connection with researching the process of paying for college. Otherwise, you may not reproduce or distribute in any way Material protected by copyright without obtaining our prior written permission.

Disclaimers
NEITHER COGNITION FINANCIAL CORPORATION NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, AGENTS OR INDEPENDENT CONTRACTORS (INDIVIDUALLY AND COLLECTIVELY THE “DISCLAIMING PARTIES”) MAKE ANY claims, express or implied, about the accuracy or completeness of any of the content or functions of this Site (or any linked Site), or about any of the benefits or opportunities you may obtain at this Site. THE DISCLAIMING PARTIES hereby disclaim all warranties, express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The content and functions are provided "as is" and "as available". To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent required by law. In using this Site, you agree that you will not hold the Disclaiming Parties liable to you or any other party for any direct, indirect, special, consequential or other damages of any kind arising out of any use of this Site (or any Linked Website, as defined below).

Third Party Websites
We may provide links to other websites controlled or offered by third parties (“Linked Websites”). These links are offered for informational purposes only. Our inclusion of a link to a Linked Website does not imply approval or endorsement of the Linked Website or any products or services offered on Linked Websites. We are not responsible for the content, accuracy, reliability or opinions expressed in Linked Websites. We have not investigated or monitored the Linked Websites for accuracy or completeness. The Linked Websites may have different privacy policies and security standards from ours. We are not responsible if any terms shown on our Site differ from those shown on the Linked Websites.

Blogs and Posted Content

From time to time we may host blogs or allow third parties to post content to the Site.  Any content posted to the Site by a third party (either in a blog, a comment to a blog, or elsewhere) represent the views of the party(ies) posting such content.  We are not responsible for the content, accuracy, reliability or opinions expressed in such content, and we have not investigated such content for accuracy or completeness.  We disclaim such content in accordance with the “Disclaimers” section, above.

Minors
We do not intend to solicit information from children or market any products or services to children through this Site.

Security
We protect your privacy related to this Site. All personal information in our computers is protected from unauthorized access by a secure firewall and database architecture. Information may only be accessed by personnel who have a legitimate business reason to access it.

Viruses
We assume no responsibility, and will not be liable for, any damages to, or viruses that may infect, your computer equipment or other property caused by your access to, use of, or browsing of this Site or your downloading of any materials, data, text, video, or audio from this Site.

E-mail
E-mails that you send to us are not necessarily secure when they are transmitted to us. If your communication is sensitive or includes confidential information such as a Social Security Number, or if you need specific details about any information contained in our Site, you should contact us by regular mail or as indicated on the Contact page. If you choose to use e-mail to communicate confidential information, you assume the risk that your e-mail may not be secure.

Governing Law
The laws of the United States and the Commonwealth of Massachusetts will govern the content and use of this Site, without giving effect to conflict of law principles.

We control this Site from our offices within the United States. We make no representation that the content on our Site is appropriate, legal or available for use in other locations. Those who choose to access the Site from other locations do so at their own initiative and are responsible for compliance with applicable local laws. By registering for or entering this Site, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the Commonwealth of Massachusetts.

Compliance with Export Laws and Regulations
United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from our Site to either a foreign national or a foreign destination in violation of such laws.