Introduction & Scope

The Credit Consultants Association (“CCA,” “we,” “us”) respects your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, create an account, enroll, purchase products or certifications, or otherwise use our services (together, the “Services”).

By using the Services, you agree to the practices described in this policy. This policy works together with our Terms of Service. If you do not agree with this policy, please do not use the Services.

Information We Collect

Information you provide to us

• Account and enrollment information — such as your name, email address, phone number, business name, mailing address, and login credentials.
• Transaction information — the products, memberships, and certifications you purchase, and billing details you submit at checkout.
• Profile and certification data — information related to your training, examinations, and credential status.
• Communications — messages, support requests, and other information you send to us.

Information collected automatically

• Usage and device data — IP address, browser type, device identifiers, pages viewed, referring pages, and dates and times of access.
• Cookies and similar technologies — as described in the Cookies section below.

Information from third parties

We may receive information from payment processors, analytics and advertising providers, and other service providers that help us operate the Services.

How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Services and your membership or certification;
• Process transactions and deliver the products you purchase;
• Create and manage your account and verify your identity;
• Respond to your requests and provide customer support;
• Send you administrative messages, updates, and, where permitted, marketing communications;
• Monitor and improve the Services and understand how they are used;
• Detect, prevent, and address fraud, security issues, and technical problems; and
• Comply with legal obligations and enforce our Terms.

Cookies & Tracking Technologies

We and our providers use cookies and similar technologies to keep you logged in, remember your preferences, measure site performance, and support advertising. This may include analytics and advertising services such as Google Analytics and Google Ads, which help us understand site usage and reach relevant audiences.

You can control cookies through your browser settings and, where offered, through the cookie controls on our site. Disabling some cookies may affect how the Services function. For Google Analytics specifically, you may install the Google Analytics opt-out browser add-on.

Payment Processing

Payments are processed by third-party payment providers such as Stripe and PayPal. When you make a purchase, your payment card details are collected and processed directly by these providers under their own privacy policies. We do not store your full payment card number on our systems. We may retain limited transaction records (such as the amount, date, and a payment reference) for accounting, tax, and fraud-prevention purposes.

How We Share Information

We do not sell your personal information. We may share information in the following circumstances:

• Service providers. With vendors who perform services on our behalf—such as payment processing, hosting, email delivery, and analytics—under obligations to protect your information.
• Legal and safety. When required by law, subpoena, or legal process, or to protect the rights, property, or safety of CCA, our members, or others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, in which case your information may be transferred as part of that transaction.
• With your consent. When you direct us to share your information.

Third-Party Services & Links

The Services may contain links to third-party websites and may rely on third-party tools and platforms. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you access.

Data Retention

We retain personal information for as long as needed to provide the Services, maintain your membership and certification records, comply with our legal and tax obligations, resolve disputes, and enforce our agreements. When information is no longer required, we take reasonable steps to delete or de-identify it.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential and for notifying us of any suspected unauthorized access.

Your Privacy Choices

• Marketing emails. You may opt out of promotional emails at any time by using the unsubscribe link in those messages. We may still send you non-promotional messages about your account or transactions.
• Cookies. You can manage cookies through your browser and any cookie controls we provide.
• Account information. You may review and update your account information by logging in or by contacting us.

Your Privacy Rights

Depending on where you live, you may have the right to request access to the personal information we hold about you, to correct or delete it, to object to or restrict certain processing, and to receive a copy of it. To exercise any of these rights, contact us using the details in the Contact section. We will respond consistent with applicable law and may need to verify your identity before acting on a request.

California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (as amended) gives you the right to know what personal information we collect, use, and disclose; to request deletion or correction of your personal information; and to not be discriminated against for exercising your rights. We do not sell your personal information or share it for cross-context behavioral advertising in exchange for money. To submit a request, contact us using the details below. You may use an authorized agent to make a request, subject to verification.

EU/UK Rights & International Transfers

If you are located in the European Economic Area or the United Kingdom, you may have rights under the GDPR, including access, correction, erasure, restriction, portability, and objection, as well as the right to lodge a complaint with a supervisory authority. Where we process your information, we rely on legal bases such as performance of a contract, your consent, our legitimate interests, and compliance with legal obligations. Because we operate in the United States, your information may be transferred to and processed in the U.S. or other countries whose data-protection laws may differ from those in your jurisdiction; we take steps to protect your information consistent with this policy.

Children’s Privacy

The Services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to delete it.

Do Not Track

Some browsers offer a “Do Not Track” signal. Because there is no common industry standard for interpreting these signals, our Services do not currently respond to them. You can still manage tracking through the choices described in this policy.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice. Your continued use of the Services after an update takes effect constitutes acceptance of the revised policy.

Contact

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Credit Consultants Association
Email: support@ccasite.org
Mailing address: [insert current business mailing address]