Your use of the ECMC Group, Inc.’s (“ECMC Group”) website (“Website”) represents your agreement to comply with all terms, including notices, of this Website and our Privacy Policy. ECMC Group may change these terms at any time, and your use is subject to the changes. Such changes to these Terms of Use are effective upon posting on the Website and your use of the Website after such posting will constitute your acceptance of such changes. If you do not accept these terms, do not use this Website.

Terms of Use
Your continued use of this Website represents your agreement to comply with all terms, including notices, of this Website and our Privacy Policy. These Terms of Use cover this Website–www.ecmcgroup.org–it does not cover third-party sites that are linked to or from the websites. We exercise no control over and are not responsible for or liable for the content, privacy practices, security or other activities on other websites, and we are not endorsing, sponsoring or recommending the information or services found there. You should read the privacy policies and terms of use that govern your use of the other websites.

ECMC Group reserves the right to change these terms at any time, and your use is subject to the changes. Such changes to these Terms of Use are effective upon posting on the Website and your continued use of the Website after such posting will constitute your acceptance of such changes. If you do not accept these terms, do not use this Website. Use or reproduction of the content or materials for any purpose not expressly permitted by ECMC Group in writing is prohibited. ECMC Group reserves the right, in its sole discretion, to terminate your access to all or part of this Website, with or without notice.

Copyright
Copyright © 2024 ECMC Group, Inc. 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 Group.

Trademarks
ECMC Group, Educational Credit Management Corporation, ECMC Education, ECMC Solutions, ECMC FAB, ECMC Foundation, Inc., and ECMC Holdings, Inc., College Nights' names and logos and all related product service names are trademarks, service marks or registered trademarks of their respective owners.

Disclaimer
All materials, information and services included in or available through this Website are provided "as is" and "as available" for your use. ECMC Group disclaims 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 Group shall create a warranty; nor shall visitors to the Website rely on any such information or advice. ECMC Group does 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 own risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you. 

Limitation of Liability
Neither ECMC or any of the parties involved in creating or delivering the Website shall 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 Website. Nor shall ECMC or any of the parties involved in creating or delivering the Website 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 Group 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. 

Prohibited Activities
ECMC Group reserves the right to investigate and terminate your use of the Website for misuse, 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 Group without 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 Group's prior written authorization;
• Using meta tags or code or other devices containing any reference to ECMC Group 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.

Applicable Laws
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.

Other
If any provision of these Terms of Use is held invalid, the remainder of the Terms of Use shall continue in full force and effect. If you have questions or problems obtaining any information on our Website, please contact 888-221-3262 or webmaster@ecmc.org.