Monday-Thursday: 7 a.m. to 8 p.m. CT
Friday: 7 a.m. to 4:30 p.m. CT
Saturday: 7 a.m. to 11 a.m. CT
Copyright 2014 Educational Credit Management Corporation. All rights reserved. One copy of the information presented here may be downloaded so long as the information remains intact—with a copyright notice clearly visible—and is not resold or redistributed without prior written permission of ECMC.
The ECMC Group, ECMC, Zenith Education Group, ECMC Solutions, ECMC FSB, ECMC Foundation, Inc., ECMC Holdings, Inc., Premiere Credit of North America, LLC, and Records & Receivable Management Corporation names and logos and all related product service names are trademarks, service marks or registered trademarks of their respective owners.
All materials, information and services included in or available through this Website are provided “as is” and “as available” for your use. ECMC Solutions and ECMC disclaim all warranties of any kind, either express or implied, including, but not limited to, implied warranties of TITLE, merchantability, fitness for a particular purpose or non-infringement, or any warranty arising from a course of dealing, usage or trade practice. No verbal advice or written information provided by ECMC Solutions or ECMC shall create a warranty; nor shall visitors to the Website rely on any such information or advice. ECMC and ECMC Solutions do not warrant that the content of this or any related Website is accurate, reliable or correct; that this Website will be available at any particular time or location; that any defects or errors will be corrected; or that the content is free of viruses or other harmful components. Your use of this Website is solely at your risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you.
Limitation of Liability
ECMC, ECMC Solutions and their suppliers shall not be liable for any direct, indirect, punitive, incidental, special or consequential damages, or LOST PROFITS that result from the use of, or inability to use, this site. Nor shall ECMC or ECMC Solutions be liable for any such damages, including, but not limited to, reliance by a visitor on any information obtained via the website, or that results from mistakes, omissions, interruptions, deletion of files, viruses, errors, defects, or any failure of performance, communications failure, theft, destruction or unauthorized access. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability or any other basis, even if ECMC or ECMC Solutions has been advised of the possibility of such damage. In jurisdictions that do not allow the exclusion or limitation of incidental or consequential damages, liability shall be limited to the extent permitted by law.
You are responsible for maintaining the confidentiality of the username and password assigned to you. You are fully responsible for all activities that occur under your username and password. You agree to (1) immediately notify ECMC Solutions of any unauthorized use of your username or password or any other breach of security; and (2) ensure that you properly log-out and exit from your account at the end of each session. ECMC Solutions will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. If you share your computer with others, you may wish to consider disabling your automatic sign-in feature.
ECMC and ECMC Solutions reserve the right to investigate and terminate your use of the Website for misused, behavior which could be regarded as inappropriate, or conduct that is unlawful or illegal. Inappropriate, unlawful or illegal conduct includes, but is not limited to:
- Impersonating another person or entity;
- Expressing or implying that any statements you make are endorsed by ECMC Solutions, ECMC or ECMC Group without ECMC’s or ECMC Group’s specific prior written consent;
- Using any robot, spider, side search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Website or its contents;
- Posting, distributing or reproducing any copyrighted material, trademarks or other proprietary information without obtaining the express prior written consent of the owner of such proprietary or intellectual property rights;
- Removing any copyright, trademark or other intellectual property rights or notices included on the Website;
- Interfering with or disrupting the Website or the servers or networks connected to the Website;
- Posting, emailing or otherwise transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
- Forging headers or otherwise manipulating identifiers to disguise the origin of any information transmitted;
- “Framing” or “mirroring” any part of the Website without ECMC’s or ECMC Solutions’ prior written authorization;
- Using meta tags or code or other devices containing any reference to ECMC, ECMC Solutions or the Website to direct any person to any other website for any purpose; and
- Modifying, adapting, sublicensing, translating, selling, reverse engineering, deciphering, compiling or otherwise disassembling any portion of the Website or any software used on the Website or causing others to do so.
ECMC and ECMC Solutions provides assistance and guidance through its representatives. When communicating with our representatives, you may not be abusive, obscene, profane, offensive, sexist, threatening, harassing, racially or religiously offensive or otherwise behave inappropriately. If we feel that your behavior towards any of our representatives or employees is at any time threatening, abusive or offensive, we reserve the right to immediately cease such communication and terminate your use of the Website.
All content and materials of this Website are protected by copyrights, trademarks, or other proprietary/intellectual property rights and laws. These terms and conditions shall be governed and construed in accordance with the laws of the state of Minnesota, USA, and applicable federal laws without regard to conflicts of law principles. You agree that any and all proceedings relating to this Website and the subject matter contained herein shall be maintained in the courts of the state of Minnesota or the federal district courts sitting in Minnesota, which courts shall have exclusive jurisdiction for such purpose.
Not Legal Advice
The information on this Website is not to be construed as legal advice. It should not be used to replace the advice of your own legal counsel. The information on this Website does not include a complete list of the rights available under state or Federal law.