Terms of Use

Welcome to this Web site (the “Site”). The web site is licensed by BlackRock from Invite Education, LLC (“Invite Education"). Access to and use of the Site are subject to these terms and conditions (“Terms”), the Invite Education Privacy Policy, 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. Invite Education 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. Invite Education 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 Invite Education via the Site or Internet electronic mail, is the exclusive property of Invite Education and is not confidential. INVITE EDUCATION CANNOT GUARANTEE THE CONFIDENTIALITY OF TRANSMISSIONS OVER THE INTERNET (UNLESS OTHERWISE INDICATED), INCLUDING ANY TRANSMISSION OF PERSONAL INFORMATION BY YOU TO INVITE EDUCATION. Unless otherwise stated, Invite Education is 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 Invite Education 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).

It is our policy to respect the privacy of individuals who visit the Site. Our privacy policy, which you may view, using the navigation below (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 prior written consent from Invite Education has been granted. 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 Invite Education 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. Invite Education reserves 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 Invite Education. 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.

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. Invite Education expressly disclaims 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. Invite Education makes 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 or that calculations, including estimates of the Expected Family Contribution or other calculations performed in the Family Financial Center or elsewhere on the Site are accurate. 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. Invite Education uses reasonable efforts to include accurate and up to date information on the Site. Invite Education is 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 Invite Education 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 Invite Education has 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 Invite Education 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 copyright “2014, Invite Education, LLC.” All rights reserved. Unless stated to the contrary, all Content is the property of Invite Education or its third party licensors. By making this Content available on the Site, Invite Education is not waiving any proprietary rights (including copyrights or trademarks) in such Content, and is 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 servicemarks/trademarks, registeredservicemarks/trademarks and/or trade dress of Invite Education. 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 the prior written consent of Invite Education 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.

To the extent links are provided from the Site to other Web sites, Invite Education does not operate or control any information, products or services on, nor endorse nor approve any products, services or information offered at those sites.

Also, you may not create or maintain any link from another website to any page on this website without our prior written consent. Running or displaying this website, or any information or material displayed on this website, on another website without our prior written consent is prohibited. Any links to this website that are permitted by us must comply will all applicable laws, rule and regulations, and we may revoke our consent at any time.

Remedies

In the event that Invite Education determines, in its sole discretion, that you have breached any of the Terms, or have otherwise engaged in inappropriate conduct, Invite Education 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 (v) take any other action which Invite Education deems to be appropriate.

Termination

These Terms are effective unless and until terminated by Invite Education. Invite Education 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 Commonwealth of Massachusetts, United States of America, notwithstanding any conflicts of laws principles, and venue shall rest exclusively in the courts situated in the Commonwealth of Massachusetts, Middlesex 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.

The College Planning Tool (“tool”) is provided on an "as-­is" basis. BlackRock expressly disclaims all warranties, express or implied, statutory or otherwise with respect to the tool (and any results obtained from its use) including, without limitation, all warranties or merchantability, fitness for a particular purpose or use, accuracy, completeness, originality and/or non­infringement. In no event shall BlackRock have any liability for any claims, damages, obligations, liabilities or losses relating to the tool including, without limitation, any liability for any direct, indirect, special, incidental, punitive and/or consequential damages (including loss of profits or principal).

This material is provided for educational purposes only and is not intended to constitute “investment advice” or an investment recommendation within the meaning of federal, state, or local law. You are solely responsible for evaluating and acting upon the education and information contained in this pages. BlackRock will not be liable for any direct or incidental loss resulting from applying any of the information obtained from this content or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types of advice.

Investing involves risk, including possible loss of principal.

Prepared by BlackRock Investments, LLC ("BRIL"), member FINRA.

© 2014 BlackRock, Inc. All rights reserved. BLACKROCK is a registered trademark of BlackRock, Inc.. All other marks are the property of their respective owners.

For questions, Ask a Citizen at 888-716-4631

  1. Investment Products: Not FDIC Insured – No Bank Guarantee – May Lose Value

  2. Content maintained in this website is for informational purposes only, and is not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.

  3. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s 529 plan. Investors should consult a tax advisor.