Terms of use

Your use of the Zenith Education Group, Inc. website represents your agreement to comply with all terms, including notices, of this site and our Privacy Policy. Zenith Education Group may change these terms at any time, and your use is subject to the changes. If you do not accept these terms, do not use this website.

Terms of Use

Your use of the Zenith Education Group, Inc. (“Zenith”) website represents your agreement to comply with all terms, including notices, of this site and our Privacy Policy. These Terms of Use cover Zenith’s websites at www.ZenithEducationGroup.org and all online forms on this website used to collect information; it does not cover third party sites that are linked to or from the websites (Website). Zenith 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. Use or reproduction of the content or materials for any purpose not expressly permitted by Zenith in writing is prohibited. Zenith reserves the right, in its sole discretion, to terminate your access to all or part of this site, with or without notice.


Copyright 2017 Zenith Education 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 Zenith.


The ECMC Group, ECMC, ECMC Solutions, ECMC FSB, ECMC Foundation, Inc., ECMC Holdings, Inc., Premiere Credit of North America, LLC, Records & Receivable Management Corporation, and Zenith Education Group, Inc. 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. Zenith 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 Zenith shall create a warranty; nor shall visitors to the Website rely on any such information or advice. Zenith up 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 risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you.

Limitation of Liability

Zenith and its 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 Zenith 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 Zenith 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

Zenith reserves 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 Zenith without Zenith’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 Zenith’s prior written authorization;
  • Using meta tags or code or other devices containing any reference to Zenith 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.

Customer Service

Zenith 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.

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.

Changes to our Terms of Use

From time-to-time, we may update our Terms of Use to reflect changes in our practices and services. If we make material changes to our Terms of Use, we will notify you by posting notice of the changes on our Website.


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 any questions or have problems obtaining any information on our website, please contact privacy@ecmc.org.