Terms

NOTICE: PLEASE READ THE TERMS OF USE AND LEGAL RESTRICTIONS (THE "TERMS") CAREFULLY BEFORE USING THIS WEBSITE. YOUR USE OF THIS WEBSITE ACKNOWLEDGES YOUR ACCEPTANCE OF THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THIS WEBSITE.

This website has been compiled in good faith by Encore Capital Group, Inc. ("ECPG" or the "Company"). However, no representation or warranty is made as to the completeness or accuracy of the information it contains. In particular you should be aware that this information may be incomplete, may contain errors, or may have become out of date. THE INFORMATION IS ONLY BEING PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTY, EXPRESSED OR IMPLIED, OF ANY KIND OR NATURE WHATSOEVER INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

The Company makes no commitment and disclaims any duty or obligation to update any statements made on this website to reflect events or circumstances after the date of any particular statement.

This website may include links that will allow you to access other Internet sites. The Company has no control over or responsibility with respect to the content of, or matters omitted from, any such third-party sites. The Company does not endorse any of the information contained within these links and is only providing the links as a convenience to you. If you elect to access any of the third-party sites, you are doing so at your own risk.

Website text, graphics, design, selection and arrangement are copyright protected © 2001 ECPG. All rights reserved. Subject to the Terms, permission is granted to download and print materials from this website for the purpose of reading or retaining for future reference. Any other use or reproduction without the express prior written permission of ECPG is strictly prohibited.

The statements and content of this website do not constitute an offer to sell or solicitation to buy securities.

The statements on this website that are not historical facts, including most importantly, information concerning possible or assumed future results of operations of the Company and statements preceded by, followed by, or that include the words "may", "believes", "expects", "anticipates" or the negation thereof, or similar expressions, constitute "forward-looking statements". Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. For those statements, ECPG claims the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Certain factors, including without limitation, risks associated with growth, maintaining sufficient liquidity to operate our business and purchase new receivables, and other risks detailed from time to time in the Company's filings with the Securities and Exchange Commission, including, without limitation, the latest Annual Report on Form 10-K or in our latest Quarterly Report on Form 10-Q, can cause actual results, performance or achievements to be materially different from those expressed or implied by such forward-looking statements.