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Navicore Solutions Terms and Conditions

Acceptance of Terms 
Garden State Consumer Credit Counseling, Inc.  d/b/a Navicore Solutions (“Navicore Solutions”) offers this website, including all information, software, products and services available from this website or offered as part of or in conjunction with this website (the “website”), to you, the user, conditioned upon your acceptance of all of the terms, conditions, policies and notices stated here. Navicore Solutions reserves the right to make changes to these Terms and Conditions immediately by posting the changed Terms and Conditions in this location. Your continued use of the website constitutes your agreement to all such terms, conditions, policies and notices, and any changes to these Terms and Conditions made by Navicore Solutions. The most current Terms and Conditions can be reviewed by clicking on the “Terms and Conditions” hyperlink located at the bottom of our web pages.

Description of Services
Navicore Solutions provides you with access to a variety of resources including, but not limited to, educational materials, credit counseling, press releases, financial tools, monthly statements, and deposit receipts which will be collectively referred to as “Services”. The Services, including any update and additions, are subject to these Terms and Conditions.

Navicore Solutions does not warrant the completeness, timeliness, or accuracy of the Services available on this website. In no event will Navicore Solutions be liable to any party for any direct, indirect, special, or other damages for any use of or reliance upon the information found on this web site, or on any linked website, including, without limitation, lost profits, business interruption, loss of programs or other data, even if Navicore Solutions 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 from Services. Permission to use the educational materials from the Services is granted, provided that (1) use of such educational materials is for informational or personal use only, and (2) no modifications of any educational materials are made. Accredited educational institutions may download and reproduce educational materials for use in the classroom.

Privacy and Protection of Personal Information
See the Privacy Statement disclosures relating to the collection and use of your information.

Customer Account, Password, and Security
Customer account credentials will be provided by Navicore Solutions. 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 Navicore Solutions immediately of any unauthorized use of your account or any other breach in security. Navicore Solutions 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 time.

Unlawful or Prohibited Use
You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any Navicore Solution’s 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.


Except for material in the public domain under United States copyright law, all material contained on the website (including all software, HTML code, Java applets, Active X controls and other code) is protected by United States and foreign copyright laws. Except as otherwise expressly provided in these Terms and Conditions, you may not copy, distribute, transmit, display, perform, reproduce, publish, license, modify, rewrite, create derivative works from, transfer, or sell any material contained on the website without the prior consent of the copyright owner. None of the material contained on the Navicore Solution’s site may be reverse-engineered, disassembled, decompiled, transcribed, stored in a retrieval system, translated into any language or computer language, retransmitted in any form or by any means (electronic, mechanical, photo reproduction, recordation or otherwise), resold or redistributed without the prior written consent of Navicore Solutions.

Termination of Privileges

Navicore Solutions reserves the right to terminate your privilege of using all or any portion of the website if you breach any of these Terms and Conditions. If Navicore Solutions receives notice or otherwise discovers that you have posted material that infringes another party’s copyright or trademark rights or violates another party’s rights of privacy or publicity, Navicore Solutions may terminate your access to the website, including all of your privileges or accounts that you may have established in connection with the website.

Linking Policy
This website may contain links to other sites. Navicore Solutions is not responsible for the privacy practices or the content of such websites, including any sites that may indicate a special relationship or partnership with Navicore Solutions (such as co-branded pages or “powered by” or “in cooperation with” relationships). Navicore Solutions does not disclose personally identifiable information or unique identifiers to those responsible for the linked sites. The linked sites, however, may collect personal information from you that is not subject to Navicore Solution’s control. To ensure protection of your privacy, always review the privacy policy of the sites you may visit by linking from the Navicore Solution’s website.


These Terms and Conditions (including the Linking Policy and Privacy Policy of Navicore Solutions, which shall be deemed to be a part of these Terms and Conditions) constitute the entire agreement and understanding between you and Navicore Solutions with respect to use of the website, superseding all prior or contemporaneous communications and/or proposals. These Terms and Conditions also are severable, and in the event any provision is determined to be invalid or unenforceable, such invalidity or unenforceability shall not in any way affect the validity or enforceability of the remaining provisions. Navicore Solutions reserves the right to make changes to these Terms and Conditions immediately by posting the changed Terms and Conditions in this location. By continuing to use the website, you are agreeing to all changes made by Navicore Solutions. A printed version of these Terms and Conditions shall be admissible in judicial or administrative proceedings based upon or relating to use of the website to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.


The website is controlled and operated by Navicore Solutions from its principal office in the State of New Jersey, United States of America. Navicore Solutions makes no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access the website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. The website is not intended to subject Navicore Solutions to the laws or jurisdiction of any state, country or territory other than the State of New Jersey and the United States of America.