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Terms Of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY USING THIS SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

Copyright Notice

The contents of this site, including but not limited to the text and images herein and their arrangement, are copyright ©2023 by Ficus Group, LLC. All Rights Reserved.

You may copy and display the content herein, but only for personal or for non-commercial use. Further, no content shall be copied or posted online or on any computer network, or broadcast in any media. Any copy you make must include this copyright notice. No modifications of the content may be made. Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Ficus Group, LLC or of any third party.

Trademarks
Ficus Group, Employer-Sponsored Higher Education (ESHE) and the Ficus Group logos are service marks of Ficus Group, LLC. Any other marks are owned by Ficus Group, LLC or its business partners or as attributed herein.

Content
Ficus Group makes no representations about the suitability of the content of this site for any purpose. All content is provided “as is” without any warranty of any kind. 

FICUS GROUP HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS SITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY FICUS GROUP. FICUS GROUP WILL NOT BE LIABLE TO ANYONE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM WHATSOEVER, NO MATTER HOW OCCASIONED, IN CONNECTION WITH ACCESS TO OR USE OF THE CONTENTS OF THIS SITE. IN NO EVENT SHALL FICUS GROUP BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION INCLUDING BUT NOT LIMITED TO CONTRACT OR NEGLIGENCE OR OTHER TORTIOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF THE CONTENT.

Notwithstanding the above, in no event shall FICUS GROUP’s total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this site.

While FICUS GROUP believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and FICUS GROUP does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time-to-time FICUS GROUP may make changes in the products and/or services described herein, however, FICUS GROUP makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites
Some of the sites listed as links herein are not under the control of FICUS GROUP. Accordingly, FICUS GROUP makes no representations whatsoever concerning the content of those sites. The fact that FICUS GROUP has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by FICUS GROUP with respect to such site, its owners or its providers. FICUS GROUP is providing these links only as a convenience to you. FICUS GROUP has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and FICUS GROUP cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Dispute Resolution
This agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without giving effect to any principles of conflicts of law. If any provision of these Terms of Use be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. Any Cause of action shall be brought exclusively in the Arbitration offices of the American Arbitration Association (AAA) with exclusive venue in Fulton County, Georgia. Damages are expressly limited to the dollar amount of the cost of coverage obtained by using this site of $500 whichever is lower.

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Privacy Statement

At Ficus Group, LLC we are committed to earning your trust by respecting and protecting the privacy of the information you provide to us online. Here’s how FICUS GROUP gathers, uses and safeguards information about you when you visit our website.

Information We Gather on Our Website

When you use, review or interact within our website, we may ask that you provide identifying information and demographic information about yourself (e.g. name, email, phone number, address, state or residence). This information is necessary to engage with you and it is used to identify you as a unique user or willing prospect. FICUS GROUP will never ask for confirmation of your personal or account information through an email, and you should never respond to an email (especially unsolicited email) that asks for your personal information).

We do not rent, sell or otherwise disclose information on our online visitors or their confidential information with other 3rd parties for their own marketing use.

Other Information We Capture

FICUS GROUP’s web server automatically recognizes your IP address when you visit our website as an anonymous visitor (without logging in). Our website does not recognize your email address. However, FICUS GROUP collects your email address when you communicate with us via email; provide your email address to us when completing an online request for contact, or register to access secure areas of our website. If you register on our website, please keep your email address up to date in your personal profile. This email address will be used to retrieve a forgotten password and assist you in using other self-service features. FICUS GROUP also collects aggregate information about pages visited within our website.

Does FICUS GROUP have security measures in place to protect your information?

FICUS GROUP has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.
Our service providers and vendors are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.

While FICUS GROUP has taken steps to make the information you provide to us as secure as possible against unauthorized access, please keep in mind that no data transmission over the Internet is 100% secure. Any information disclosed online can potentially be intercepted and used by unauthorized parties.



Does FICUS GROUP disclose your personal information?

We disclose personal information to business partners that are necessary to provide our products and services. For Example:

Authorized Service Providers – We may disclose your information to service providers we have retained to perform services on our behalf. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements.
Legal Requirements and Business Transfers – We may disclose personal information (i) if we are required to do so by law or legal process, (ii) in response to law enforcement authority or other government official requests, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (iv) in connection with an investigation of suspected or actual illegal activity or (v) in the event that FICUS GROUP is subject to a merger or acquisition to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.

What We Do With Information We Gather?

We use the information we gather about visitors to our website in one or more of the following ways:

  • Provide information and services as requested by you.
  • To verify you are a prospect.
  • To help ensure a safer online environment for our online visitors.
  • For general aggregate site visitor analysis and statistical research.
  • Develop new services.
  • To inform you of products and services that may be of interest to you.
  • To inform customer service representatives about account access and service requests that will enable us to provide better customer service.




    Our Policy for Children

    Our website is not intended to attract children under the age of 13. We do not use our website to knowingly solicit information from or market to children under the age of 18. Parents and/or guardians are solely responsible for supervising their minor children’s use of our website.

    Links to Other Websites

    Our website contains links to other Internet sites. It is our intent to provide links only to other quality websites. However, we cannot guarantee the safety and privacy of information you provide to these linked sites. Any information collected by websites other than the FICUS GROUP website is not covered by this privacy policy, and provisions of privacy policies contained on other websites may differ from the provisions of this privacy policy.

    Questions or Comments

    If you have questions regarding our online privacy policy, please send an email message to
    legal@ficuseducation.com or send your written request to Ficus Group, LLC c/o General Counsel Web Inquiries 11175 Cicero Dr. Suite 500 Alpharetta, GA 30022