Please read the following Terms of Use (“Terms”) carefully before using or continuing to use necollects.com and the associated HealPay payment portal, as they may have changed since your last visit. By using and continuing to use this website, you acknowledge your agreement to these Terms. If you do not agree to these Terms for any reason, please do not use this website.

This website and all of the information it contains, or may contain in the future, including, but not limited to articles, memoranda, bulletins, reports, press releases, opinions, text, directories, guides, photographs, illustrations, trademarks, trade names, service marks and logos (collectively, the “Content”) are the sole and exclusive property of Northeastern Credit Services, Inc. (“Northeastern Credit Services”, “we”, “us”, “our”). You agree not to use, copy, or re-post any portion of this site without our prior, written consent.

The Content on this website is provided for informational purposes only, and should not be construed as legal, accounting, tax, career, or other professional advice on any subject matter. Use of this website does not give rise to or establish and form of attorney-client relationship between you and Northeastern Credit Services. You should not consider any of the Content provided to be an invitation to an attorney-client relationship. Before acting or not acting upon any of the Content provided at this website, you should seek the advice of your own legal counsel or other appropriate professional advice. Sending an e-mail to Northeastern Credit Services or utilizing the “Contact Us” page on this website will not create an attorney-client relationship nor should it be considered an invitation to an attorney-client relationship. Unless you are an existing client of Northeastern Credit Services, any communication you have with Northeastern Credit Services through this website, including use of the “Contact Us” page, will not be treated as confidential or privileged communication.

Northeastern Credit Services does not undertake any obligation or responsibility to update or amend any of the Content on this website. All Content provided on this website is provided “as is” and without any warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Although we attempt to provide accurate and timely Content on this website, there may be inadvertent, technical, or factual inaccuracies or typographical errors. For these reasons, Northeastern Credit Services cannot warrant the accuracy, completeness, or timeliness of the Content, graphics, or links contained on the website.

Websites listed as hypertext links on this website, if any, are not under the control of Northeastern Credit Services (“Linked Sites”). These Linked Sites are provided solely as a convenience to you. The fact that we have included Linked Sites does not serve as an endorsement by Northeastern Credit Services of any of these websites. We may not have tested any software or information which may be found on such Linked Sites and, therefore, cannot make any representation regarding the quality, safety, or suitability of any information provided on such websites.

You expressly understand, acknowledge, and agree that your use of this website is at your sole risk. To the extent permitted by applicable law, you agree that Northeastern Credit Services will not be liable to you or any other party for any damage, loss, or expense arising directly or indirectly from use of this website or its Content, and you hereby expressly waive any claim against us for such losses. Northeastern Credit Services will assume no responsibility, and shall not be liable for, any viruses that may infect or damage your computer equipment or other property as a result of your access to, use of, or browsing of this website, the web, or your downloading of any materials, data, text, images, video, or audio from this website or the web.

By using this website, you agree not to engage in any of the following prohibited activities:

• You may not use any “deep-link”, “page-scrape”, “robot”, “spider”, or other automatic device, program, process, electronic agent, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the website, or in any way reproduce or circumvent the navigational structure or presentation of the website, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the website.
• You may not attempt to gain unauthorized access to any portion or feature of the website, or any other systems or networks connected to the website or to our server, or to any of the services offered on or through the website by hacking, password “mining”, or any other illegitimate means.
• You may not probe, scan, or test the vulnerability of the website or any network connected to the website, nor breach the security or authentication measures on the website or any network connected to the website. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the website, or any other person, including any account not owned by you, to its source, or exploit the website or any service or information made available or offered by or through the website, in any way there the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the website.
• You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the website or our systems or networks, or any systems or networks connected to this website.
• You agree not to use any device, software, script, or routine to interfere or attempt to interfere with the proper working of the website or any transaction being conduct on the website, or with any other person’s use of the website.
• You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
• You may not use the website for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes our rights or the rights of others.

This website may be used to make a payment on your account. If you use our website to make a payment on your account, you acknowledge and agree that you will not submit any payment that is subject to any restrictive language. You further agree that if any payment contains any restrictive language, such restrictive language will have no effect and will not constitute an accord and satisfaction or a compromise of your account balance. Moreover, unless you have paid your account balance in full or are making payments pursuant to a previously-approved payment plan or settlement agreement, your payment will not constitute an authorized payment plan or settlement arrangement on your account. If you are interested in establishing a payment plan or settlement arrangement, please send an e-mail to compliance@northeasterncredit.com, or call us at (860) 595-5500 during normal business hours, or write to us at Northeastern Credit Services, P.O. Box 765, Simsbury, CT 06070.

PLEASE READ THE FOLLOWING SECTION CAREFULLY TO ENSURE THAT YOU UNDERSTAND IT FULLY. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION PROVISION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES USE OF ARBITRATION ON AN INDIVIDUAL BASES TO RESOLVE DISPUTES RATHER THAN JURY TRIALS OR CLASS ACTIONS. BY USING OUR SITE YOU AGREE TO ARBITRATE ANY CLAIMS THAT YOU MAY HAVE OR CLAIM TO HAVE AGAINST US, AND YOU GIVE UP YOUR RIGHT TO ASSERT SUCH CLAIMS IN A COURT AND TO HAVE A JURY DETERMINE YOUR CLAIMS.

This agreement to arbitrate shall be subject to the Federal Arbitration Act (Title 9 of the United States Code), and may be enforced pursuant to that Act. These Terms and any claims or disputes arising out of or relating to them or use of this website are to be governed by and construed in accordance with the federal laws of the United State and the law of the State of Connecticut, without regard to choice-of-law principles. All claims or disputes arising in connection with these Terms or use of this website, excluding legal action taken by us relating to site operations and/or intellectual property, shall be resolved solely and exclusively by confidential binding arbitration as provided below.

Prior to initiating arbitration, you and Northeastern Credit Services each agree to notify the other party to the claim or dispute and attempt to negotiate an informal resolution. You must send any notice of claim or dispute by e-mail to compliance@northeasterncredit.com. We will send any notice of claim or dispute to you at the address we have for you. You and Northeastern Credit Services will attempt to resolve any claim or dispute through informal negotiation within thirty (30) days from the date that the notice of claim or dispute is received. If we are unable to resolve the claim or dispute through informal negotiation, you agree that the claim or dispute will be resolved through binding arbitration by a single impartial arbitrator rather than by a court. Any such claim or dispute shall be brought solely by you as an individual and not as part of, or as a representative of, a class. The arbitration shall be conducted in Connecticut using the American Arbitration Association. The arbitrator’s award shall be final and binding. The courts located within the State of Connecticut shall have exclusive jurisdiction and venue over (i) any action concerning the enforcement of an arbitration award, or (ii) if arbitration is not permitted by law, then any claim or dispute arising in connection with these Terms or use of this website. However, you agree that any questions as to the enforceability of this arbitration agreement shall be decided by the arbitrator. You and Northeastern Credit Services acknowledge and agree that we are each waiving the right to participate as a plaintiff or class member in any purported class action lawsuit, class-wide arbitration private attorney-general action, or any other representative proceeding as to all claims and disputes. You and Northeastern Credit Services also acknowledge and agree that we are each waiving the right a trial by jury.

You may opt out of this arbitration agreement by notifying us within thirty days of the first day on which you access this site of your desire to do so. Your notice that you choose to opt out must be sent via email to compliance@northeasterncredit.com with the subject line “Arbitration Opt Out” or by certified mail to Northeastern Credit Services, P.O. Box 765, Simsbury, CT 06070. You agree that your failure to opt out in such a manner shall act as a waiver of your right to opt out and of any challenges to this agreement to arbitrate.

Northeastern Credit Services may revise these Terms at any time, at our sole discretion, by posting amended Terms on this website. We may at any time, with or without cause, and without prior notice to you deny you access to the website. We may terminate these Terms and take down the website in whole or in part at any time without prior notice to you. No failure, omission, or delay on our part to exercise any right under these Terms will preclude any other further exercise of that right under these Terms.

If any provision in these Terms changes due to applicable law or is declared invalid by order of a court of competent jurisdiction, the remaining provisions of these Terms will not be affected, and these Terms will be interpreted as if the invalid provision had not been included in these Terms.

For information about how we collect, store, use, disclose, and protect information about you, please see our Privacy Policy, which is incorporated by reference into these Terms.

Any material changes to these Terms will be updated on this page and a new effective date noted. All content on this site is provided by Northeastern Credit Services, Inc. (NMLS #1403737).