Terms of Use

What about my privacy?

Summer takes the privacy of its users very seriously. For the current Summer Privacy Policy, please click here.

Additionally, we will use and share any Non-Public Information as defined by the Gramm-Leach-Bliley Act (“GLBA”) that we collect from or about you related to your use of that product or service in accordance with our Consumer Privacy Notice.

Children’s Online Privacy Protection Act

The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under 13 years of age. We do not knowingly collect or solicit personally identifiable information from children under 13 years of age; if you are a child under 13 years of age, please do not attempt to register for or otherwise use the Services or send us any personal information. If we learn we have collected personal information from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided us personal information, please contact us at support@meetsummer.com.

What are the basics of using Summer?

The Services include a variety of solutions for individuals, including in the form of benefits that employers can make available to their employees.

In order to access the Services, you will be asked to register and create a user account. To sign up for a user account, you may be required to select a password and provide your email address (“Summer User ID”), and provide us with certain information or data, such as your contact information. You promise to provide us with accurate, complete, and updated registration information about yourself. You may not select as your Summer User ID a name that you do not have the right to use, or another person’s name with the intent to impersonate that person. You may not transfer your account to anyone else without our prior written permission.

Additionally, you may be able to access certain parts or features of the Services by using your account credentials from other services (each, a “Third Party Account”), such as those offered by your employer, Google or Microsoft. By using the Services through a Third Party Account, you permit us to access certain information from such account for use by the Services. You are ultimately in control of how much information is accessible to us and may exercise such control by adjusting your privacy settings on your Third Party Account. 

You represent and warrant that you are an individual of legal age to form a binding contract (or if not, you’ve received your parent’s or guardian’s permission to use the Services and have gotten your parent or guardian to agree to these Terms on your behalf). If you’re agreeing to these Terms on behalf of an organization or entity, you represent and warrant that you are authorized to agree to these Terms on that organization’s or entity’s behalf and bind them to these Terms (in which case, the references to “you” and “your” in these Terms, except for in this sentence, refer to that organization or entity).

You will only use the Services for your own internal, personal use, and not for business or commercial purposes or on behalf of or for the benefit of any third party unless expressly authorized by us, and only in a manner that complies with all laws that apply to you. If your use of the Services is prohibited by applicable laws, then you aren’t authorized to use the Services. We can’t and won’t be responsible for your using the Services in a way that breaks the law.

You will not share your Summer User ID, account or password with anyone, and you must protect the security of your Summer User ID, account, password and any other access tools or credentials. You’re responsible for any activity associated with your Summer User ID and account.

What about messaging?

As part of the Services, you may receive communications through the Services, including messages that Summer sends you (for example, via email or SMS). When signing up for the Services, you will receive a welcome message and instructions on how to stop receiving messages. By signing up for the Services and providing us with your wireless number, you confirm that you want Summer to send you information that we think may be of interest to you, which may include Summer using automated dialing technology to text you at the wireless number you provided. You agree to receive communications from Summer, and you represent and warrant that each person you register for the Services or for whom you provide a wireless phone number has consented to receive communications from Summer. You agree to indemnify and hold Summer harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to your breach of the foregoing.

Are there restrictions in how I can use the Services?

You represent, warrant, and agree that you will not provide or contribute anything, including any Content (as that term is defined below), to the Services, or otherwise use or interact with the Services, in a manner that:

1. infringes or violates the intellectual property rights or any other rights of anyone else (including Summer);
2. violates any law or regulation, including, without limitation, any applicable export control laws, privacy laws or any other purpose not reasonably intended by Summer;
3. is dangerous, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable;
4. jeopardizes the security of your Summer User ID, account or anyone else’s (such as allowing someone else to log in to the Services as you);
5. attempts, in any manner, to obtain the password, account, or other security information from any other user;
6. violates the security of any computer network, or cracks any passwords or security encryption codes;
7. runs Maillist, Listserv, any form of auto-responder or “spam” on the Services, or any processes that run or are activated while you are not logged into the Services, or that otherwise interfere with the proper working of the Services (including by placing an unreasonable load on the Services’ infrastructure);
8. “crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Services or Content (through use of manual or automated means);
9. copies or stores any significant portion of the Content; or
10. decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Services.

A violation of any of the foregoing is grounds for termination of your right to use or access the Services. 

What are my rights in the Services?

The materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations and so forth (all of the foregoing, the “Content”) are protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services, and you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialize or otherwise exploit for any purpose any Content not owned by you, (i) without the prior consent of the owner of that Content or (ii) in a way that violates someone else’s (including Summer's) rights.

Subject to these Terms, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Content solely for purposes of personal use of the Services. Use, reproduction, modification, distribution or storage of any Content for any purpose other than personal use of the Services is expressly prohibited without prior written permission from us. You understand that Summer owns the Services. You agree that you won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of the Services. The Services may allow you to copy or download certain Content, but please remember that even where these functionalities exist, all the restrictions in this section still apply.

Who is responsible for what I see and do on the Services?

Any information or Content publicly posted or privately transmitted through the Services is the sole responsibility of the person from whom such Content originated, and you access all such information and Content at your own risk. We aren’t liable for any errors or omissions in that information or Content or for any damages or loss you might suffer in connection with it. We cannot control and have no duty to take any action regarding how you may interpret and use the Content or what actions you may take as a result of having been exposed to the Content, and you hereby release us from all liability for you having acquired or not acquired Content through the Services. We can’t guarantee the identity of any users with whom you interact in using the Services and are not responsible for which users gain access to the Services. 

You are responsible for all Content you contribute, in any manner, to the Services, and you represent and warrant you have all rights necessary to do so, in the manner in which you contribute it.

The Services may contain links or connections to third-party websites or services that are not owned or controlled by Summer. This may include connections you make, or that Summer makes on your behalf, to third party accounts to verify student loan balances and payments and other financial information. When you access third-party websites or use third-party services, you accept that there are risks in doing so, and that Summer is not responsible for such risks. 

The Services may contain calculators to provide estimates of savings or matching amounts (“Calculators”).  These Calculators are for illustrative and informational purposes only. Summer makes no representations that the amounts reflected through the Calculators will be accurate.

If you submit a financial program application through the Services for PSLF or an IDR  or similar plan (collectively, the “Financial Program Applications”), you expressly authorize us to file such Financial Program Applications on your behalf with the U.S. Department of Education or other applicable entities. Please be advised that your financial program servicers and/or governmental bodies may verify the information you provided. Responsibility for the information you provide in your Financial Program Applications is your sole responsibility and Summer has no duty or obligation to verify any information provided by you. 

The Services may allow you to arrange to receive contributions to student loans from your employer  (“Student Loan Contributions”). You acknowledge and agree that you are, and continue to be, solely responsible for all amounts due and payable under your student loan and that you should continue to make your regular payments despite any Student Loan Contributions you may receive. Summer is not responsible for making any payments on your student loans. We use a third party to process any employer-funded loan payments or other transactions. By using these Services, you represent and warrant that you have all necessary rights and authorizations to make and/or receive these Student Loan Contributions and that you are only providing information about your own student loans. Summer does not assume any responsibility for payments made incorrectly in or out of an account based on information provided by you. You hereby authorize Summer and its third-party service providers to debit and credit, or facilitate the debiting and crediting of, your accounts for payments you authorize or arrange through or in connection with the Services. You agree that any transactions you authorize will comply with all applicable law.  You further understand that this authorization will remain in full force until you notify Summer that you wish to revoke this authorization by contacting us at support@meetsummer.com.  You understand that Summer requires at least 30 business days’ prior notice in order to cancel this authorization. 

Summer has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third-party websites or by any third party that you interact with through the Services. In addition, Summer will not and cannot monitor, verify, censor or edit the content of any third-party website or service. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each third-party website or service that you visit or utilize. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third-party website or service. 

If there is a dispute between participants on our website(s) or the Services, or between users and any third party, you agree that Summer is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release Summer, its directors, officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. You shall and hereby do waive California Civil Code Section 1542 or any similar law of any jurisdiction, which says in substance: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

Will Summer ever change the Services?

We’re always trying to improve our Services, so they may change over time. We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services. We’ll try to give you notice when we make a material change to the Services that would adversely affect you, but this isn’t always practical. We reserve the right to remove any Content from the Services at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of these Terms), in our sole discretion, and without notice. 

Do the Services cost anything?

In most cases, the Services will be paid for by an organization with whom you have a direct or indirect relationship, but in some cases, users may be directly responsible for payment.  Additional Terms presented at the time of purchase will apply to all paid services and are deemed part of these Terms.

What else do I need to know?

You’re free to stop using the Services and close your account at any time by contacting us at support@meetsummer.com; please refer to our Privacy Policy to understand how we treat information you provide to us after you have stopped using our Services. 

Summer is also free to terminate (or suspend access to) your use of the Services or your account for any reason in our sole discretion, including your breach of these Terms. Summer has the sole right to decide whether you are in violation of any of the restrictions set forth in these Terms.

Account termination may result in destruction of any Content associated with your account, so keep that in mind before you decide to terminate your account. If you have terminated your account, Summer will no longer be able to facilitate any student loan payments on your behalf. It is your sole responsibility to make your student loan payments following any account termination. 

If you have terminated your account by mistake, contact us immediately at support@meetsummer.com – we will try to help, but unfortunately, we can’t promise that we can recover or restore anything.

Provisions that, by their nature, should survive termination of these Terms shall survive termination. By way of example, all of the following will survive termination: any obligation you have to pay us or indemnify us, any limitations on our liability, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us, including, without limitation, the arbitration agreement. 

 What if I want to stop using the Services? 

Inaccuracies. The Services display your financial and other information, which through no fault of our own, may be inaccurate or false. It is the user’s responsibility to review and verify any such financial information against account statements and other materials received from student loan lenders or other financial institutions as applicable. If you believe that the financial information you have provided to us in connection with your Summer user account does not accurately reflect your student loan payment history or other financial information, we recommend that you contact your student loan servicers and providers and/or the U.S. Department of Education or the financial institution which holds your account.  Once you have confirmed any corrections needed to your financial information, please provide us with the updated information. For assistance in making such corrections, please contact us at support@meetsummer.com.

Warranty Disclaimer. You agree that we are not a financial institution, credit repair company, debt consolidator, debt adjustor, credit reporting agency, loan servicer or investment advisor or broker. Any information provided through the Services is not intended to provide financial, legal or tax advice. You also agree that you understand that we are not affiliated with the U.S. Department of Education, and bear no authority to approve or reject your Financial Program Applications. Summer and its licensors, suppliers, partners, parent, subsidiaries or affiliated entities, and each of their respective officers, directors, members, employees, consultants, contract employees, representatives and agents, and each of their respective successors and assigns (Summer and all such parties together, the “Summer Parties”) make no representations or warranties concerning the Services, including without limitation regarding any Content contained in or accessed through the Services, and the Summer Parties will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Services or any claims, actions, suits procedures, costs, expenses, damages or liabilities arising out of your use of, or in any way related to your participation in, the Services. The Summer Parties make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through or in connection with the Services. You assume total responsibility and risk for your use of the Services, including any financial program applications filed on your behalf.  THE SERVICES AND CONTENT ARE PROVIDED BY SUMMER (AND ITS LICENSORS AND SUPPLIERS) ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 

We make no representation that any recommendations provided through the Services, including student loan refinancing and/or consolidation, or any financial program application that is filed on your behalf, will be accepted or approved by a third-party financial institution or governmental body, or will be successful or achieve a particular outcome. We assume no liability, obligation or responsibility for any such third-party financial institution or government body listed through the Services, their actions or your relationship with them. Any correspondence, applications, or agreements, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with your relationship with such third parties, are solely between you and the third party. In using our Services, we do not guarantee that you will be able to reduce your student loan debt or receive forbearance or forgiveness.

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Indemnity. You agree to indemnify and hold the Summer Parties harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to any claims relating to (a) your use of the Services (including any actions taken by a third party using your account), and (b) your violation of these Terms. In the event of such a claim, suit, or action (“Claim”), we will attempt to provide notice of the Claim to the contact information we have for your account (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder).

Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without Summer's prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

Choice of Law. These Terms are governed by and will be construed under the Federal Arbitration Act, applicable federal law, and the laws of the State of New York, without regard to the conflicts of laws provisions thereof.

Overview

Thanks for visiting us! These Terms of Use apply to our entire website, meetsummer.com, including financial program application tools and other features on our website (collectively, our “Services”). By using our Services, you expressly agree to be bound by these Terms of Use. Please read these binding terms carefully. You represent and acknowledge that you are at least 18 years of age and are legally authorized to accept and be bound by these Terms of Use. Our Privacy Policy meetsummer.com/privacy-policy is incorporated herein by reference.

Summer Services

Summer, PBC provides educational resources to help student loan borrowers make smarter decisions. Our website displays information about student loans and general recommendations, such as refinancing or consolidating loans with third party lenders or changing repayment plans.  We do not endorse any individual lenders or re-financing services who may be listed on our website, and it is your obligation to carefully consider the appropriateness of any recommendations listed on your account in light of your own personal circumstances. We assume no liability, obligation or responsibility for their actions or your relationship with them. Any correspondence, applications, or agreements, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with your relationship with such third parties, are solely between you and the third party.

Our Services include a proprietary tool that helps students determine if they are eligible to apply for the U.S. Department of Education Public Service Loan Forgiveness Program (“PSLF”) and, if so, apply for PSLF by submitting a financial program application through us. Our Services include another tool to help students check eligibility and apply for an income-driven repayment (“IDR”) plan with the U.S. Department of Education (collectively, the “Tools”).  In order to access these Tools, you will be asked to register and create a user account.

You represent and warrant that all information you provide us is truthful and accurate, and you will maintain the accuracy of your account information. You agree that your use of the Services does not violate any U.S. or other applicable law or regulation. You are solely responsible for maintaining the confidentiality of your account information (including your login credentials and password) and for all activities that occur under your account.

Authorization to File Financial Program Applications

If you submit a financial program application on our website for PSLF or an IDR plan (collectively, the “Financial Program Applications”), you expressly authorize Summer to verify the representations you made in your Financial Program Applications materials and file such Financial Program Applications on your behalf with the U.S. Department of Education. Please be advised that your financial program servicers and/or governmental bodies may verify the information you provided, including conducting any background checks.

Your Consent to Use Electronic Communications

When you contact Summer by email or through the website, you grant us permission to contact you electronically or via text message through the communication details provided by you. You agree that all agreements, notices, disclosures and other communications that Summer provides you electronically satisfy any legal requirement that such communications be in writing.

Security

Summer cares about the integrity and security of your personal information. However, Summer cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk.

Restrictions on Use

You agree that you will not:

• Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without our express written consent, which may be withheld in our sole discretion;
• Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Microsoft Internet Explorer or Safari);
• Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;
• Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services;  
• Attempt to gain an unauthorized access to any portion of the Services, use the Services for any unlawful purpose, or otherwise interfere or disrupt the Services in any way;
• Rent, lease, or use the Services for any commercial purpose; or
• Remove or obscure any proprietary notices on the Services.

Intellectual Property

We work extra hard to ensure our customers recognize and trust our brand. All contents of our Services, including logos, code, software, text, graphics, images, and the layout are exclusively owned by Summer and/or its Partners, and are protected under the U.S. and international copyright and trademark laws. You may download or print information and materials on our website for personal, noncommercial purposes. No portion of the information or materials contained in the website may be downloaded, reprinted, republished, modified or distributed for commercial purposes without the express written permission of Summer. You may not modify, publish, transmit, display, participate in the transfer or sale, create derivative works, or in any way exploit the Services.  

Inaccuracies

Our website displays student loan information, which through no fault of our own, may be inaccurate or false. It is the borrower’s responsibility to review all student loan information against account statements and other materials received from student loan lenders or other financial institutions. If you believe that the loan information you have provided to use for your Summer user account does not accurately reflect your student loan history and information, we recommend that you contact your student loan servicers and providers and/or the U.S. Department of Education.  Once you have confirmed any corrections needed to your loan information, you can provide us with the corrected loan information. For assistance in making such corrections, please use our contact information as noted in the “Contact Us” section below.

Disclaimer of Warranties and Limitation of Remedies

You agree that we are not a financial institution, credit repair company, debt consolidator, debt adjustor, credit reporting agency, loan servicer or investment advisor or broker. information provided on our website is not intended to provide legal or tax advice. You also agree that we are not affiliated with the U.S. Department of Education, and bear no authority to approve or reject your financial program applications. You assume total responsibility and risk for your use of the services, including any financial program applications filed on your behalf, which are provided “as is” with no representations or warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Summer is not responsible for the deletion of or failure to store any data or other information provided by you on the site. Summer makes no warranty that the service, including any financial program applications filed on your behalf, will be uninterrupted or error free, nor does it make any warranty that the service will meet your requirements or as to the results that may be obtained from use of the services. Your needs and requirements may be different depending on your particular circumstances and Summer does not guarantee the applicability or accuracy of information provided on the website to your particular circumstances. The information made available on the website are intended only to be used for educational, informational, and entertainment purposes. You agree that Summer is not responsible for any errors or omissions related to the tools, and Summer does not guarantee the accuracy or completeness of any financial program applications filed on your behalf.

Summer and its partners are not responsible or liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages arising out of or relating in any way to the services, whether based in contract, tort, negligence, strict liability or otherwise. Your sole remedy for dissatisfaction with the services is to stop using the services.

We make no representation that any student loan recommendation listed on the website, including student loan refinancing and/or consolidation, or any financial program application that filed on your behalf, will be accepted or approved by a third party financial institution or governmental body, or that it will be successful or achieve a particular outcome. We assume no liability, obligation or responsibility for any such third party financial institution or government body listed on the website, their actions or your relationship with them. any correspondence, applications, or agreements, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with your relationship with such third parties, are solely between you and the third party. In using our services, we do not guarantee that you will be able to reduce your student loan debt, or receive forbearance or forgiveness.

Indemnification

You agree to indemnify and hold harmless Summer and its Partners, and the officers, directors, agents, employees, licensors, distributors, and representatives of Summer and its Partners, from and against any and all claims, demands, actions, proceedings, losses, damages, costs, and expenses, including reasonable attorneys’ fees, arising from or relating to your access and/or use of, or interaction with the Services, or any act, error, or omission of your use of your account or any user of your account, in connection therewith, including, but not limited to, matters relating to incorrect, incomplete, or misleading information; libel; invasion of privacy; infringement of a copyright, trade name, trademark, service mark, or other intellectual property; any defective product or any injury or damage to person or property caused by any products sold or otherwise distributed through or in connection with the Services; or violation of any applicable law.

External Sites

The website may contain links to third-party web sites, including the U.S. Department of Education (“External Sites”). These links are provided solely as a convenience to you and not as a referral or endorsement by us of any other entity or the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites.

We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of any materials on such External Sites. You should take precautions when downloading files from all web sites to protect your computer from viruses and other destructive programs. If you decide to access any External Sites, you do so at your own risk.

Compliance

We may monitor your use of our website to determine compliance with these Terms of Use and any other operating rules that may be established by us from time to time. We have the right in our sole discretion to edit, refuse to post or remove any material submitted to or posted on the Services.  You acknowledge and agree that you remain solely responsible for your account information.

Changes

Summer may occasionally change these Terms of Use, and post updated versions on our website.  We will indicate on our home page when our Terms of Use have changed. Your continued use and access to the Services following any changes to these Terms of Use will constitute your acceptance to the changes. You agree to review these Terms of Use periodically, and any changes will be effective upon posting of the revisions on the website.

No Waiver

The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of these Terms of Use constitute a waiver of any subsequent breach or default or a waiver of the provision itself.

Choice of Law

You agree that these Terms of Use are governed by and interpreted in accordance with the laws of the State of Delaware, without giving effect to principles of conflicts of law.  Any legal action or proceeding arising under these Terms of Use will be brought exclusively in courts located in New Castle County, Delaware. In the event that any part of these Terms of Use is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.

You can download a PDF of these Terms of Use here