Acceptance of These Terms

These Terms of Service and Membership Agreement (the “Terms”) form a binding agreement between you (“you,” “Member”) and the Credit Consultants Association (“CCA,” “we,” “us”). By creating an account, enrolling, purchasing a product or certification, or otherwise using our website or services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Code of Ethics.

If you do not agree to these Terms, do not create an account, enroll, or use the services.

Definitions

• Services means the CCA website, membership, training, examinations, certifications, software, and any related materials or support we provide.
• Content means all designs, text, images, video, curricula, exams, software, and other materials made available through the Services.
• Designations means the CCA certification marks, credentials, badges, seals, and logos we license to Members in good standing.
• Client means an individual or business that a Member serves in the course of the Member’s own credit-related business.

Eligibility & Membership

To become a Member, you must be at least 18 years old and able to form a binding contract. You agree to provide accurate, current, and complete information when registering and to keep it up to date.

Membership is personal to you. You may not transfer, assign, or share your membership, account, or Designations with any other person or entity without our prior written consent.

Code of Ethics

As a Member, your acceptance of these Terms signifies a commitment to uphold the highest ethical standards in your professional conduct. You affirm the following:

• Adherence to the Code of Ethics. You will strictly follow CCA’s Code of Ethics as published on our Ethics page.
• Public welfare and error rectification. You will protect the public’s welfare in your operations and promptly rectify any harm or error caused in the course of your work.
• No unethical practices. You will not engage in unethical credit-repair practices, including credit “jamming” or credit “sweeps.”
• Transparency with clients. You will provide clients with copies of all correspondence and documentation related to their cases.
• Honesty and integrity. You will not make false or misleading claims about the results of your services.
• Client consent. You will not challenge or dispute any credit item without the client’s explicit authorization.
• Net impression and responsibility. You are responsible for the overall impression created by your services. You will promptly address client misunderstandings and offer a refund where a client was misled.
• Legal compliance. You will comply with all applicable laws governing credit repair and consumer protection, including the FTC’s Telemarketing Sales Rule (16 C.F.R. § 310.3) regarding deceptive telemarketing, and applicable federal and state credit-repair statutes.
• Professional representation. When representing the CCA brand—including on social media—you will maintain professional decorum in attire and imagery, and will avoid inappropriate, shirtless, or sexually suggestive representations in profile images or posts.

Member Accounts & Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized access or suspected security breach. We are not liable for any loss arising from your failure to safeguard your credentials.

Intellectual Property & Designations

All Content is the exclusive property of CCA or its licensors and is protected under United States copyright, trademark, and other applicable laws, except where explicitly stated otherwise. Unauthorized use, reproduction, redistribution, misappropriation, or infringement of any Content or trademark is strictly prohibited.

While your membership and certification are active and in good standing, we grant you a limited, non-exclusive, non-transferable, revocable license to use the applicable Content and Designations solely in connection with your own lawful credit-related business. This license ends automatically upon expiration, suspension, or termination of your membership or certification, at which point you must cease all use of the Designations.

Acceptable Use

You agree not to:

• Share, resell, sublicense, or distribute course materials, exams, software, or account access to any third party;
• Copy, scrape, reverse-engineer, or create derivative works from the Content except as expressly permitted;
• Misrepresent your certification status or use Designations you have not earned or that have lapsed;
• Use the Services for any unlawful, fraudulent, or deceptive purpose; or
• Interfere with or compromise the security or integrity of the Services.

Fees, Billing & Renewals

Fees for memberships, certifications, renewals, software, and other products are as posted at the time of purchase and are payable in advance. You are responsible for any applicable taxes.

Certain products—including memberships, certifications, and software subscriptions—may renew automatically at the then-current rate unless you cancel before the renewal date. Where a product auto-renews, that will be disclosed at checkout. You may cancel a recurring plan at any time through your account or by contacting us; cancellation stops future charges but does not retroactively refund amounts already billed, except as provided in the Refund Policy. If a payment fails, we may suspend access until the balance is resolved.

Refund Policy

We recognize our program may not be suitable for everyone. We offer refunds that are considerate of individual circumstances while maintaining the integrity of our program requirements.

• General consideration. Refunds are evaluated on a case-by-case basis and only if no materials have been accessed, used, or downloaded.
• Certification prerequisites. Purchases that serve as prerequisites for certification are non-refundable. Meeting these requirements is the buyer’s responsibility.
• Special offers and promotions. Exam and certification fees purchased under special promotions are non-refundable.
• Partner programs and coaching. Coaching services are non-refundable. Software and website services are refundable only for unused months and only within 60 days of purchase.
• Ultimate plan. Refunds on the Ultimate plan are subject to a $50 administrative fee and deductions for any partner-service fees already incurred.

Certification & Recertification

Certifications are issued upon satisfaction of the applicable requirements, which may include enrollment, coursework, and passing the relevant examination. Certifications are valid only for their stated term and may require renewal or recertification to remain active. A certification that lapses, is suspended, or is revoked confers no right to use the associated Designations. We may update certification requirements, examination content, and renewal terms from time to time.

Enforcement & Consequences

We may investigate suspected violations of these Terms or the Code of Ethics and may suspend or terminate a Member’s membership and certification for cause. Where a violation is established based on documented facts, the consequences may include:

• Termination of membership and revocation of certification;
• Revocation of the right to use CCA Designations, logos, and credentials;
• Removal from any CCA member directory or listing; and
• Where warranted and supported by documented facts, a factual notation that the Member’s certification has been forfeited or revoked, which may be reflected on CCA’s website or an associated public record.

We will base any public notation on documented conduct and confine it to factual statements about the Member’s standing with CCA.

Disclaimers

The Services and Content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement, to the fullest extent permitted by law.

CCA provides education, training, and certification. We do not guarantee any specific business, financial, credit, or income result. Nothing we provide is legal advice, and CCA is not your attorney. You are solely responsible for your own compliance with all laws applicable to your business and for the services you provide to your clients.

Limitation of Liability

To the fullest extent permitted by law, CCA and its officers, members, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or business, arising out of or relating to these Terms or the Services. Our total aggregate liability for any claim arising out of or relating to these Terms or the Services will not exceed the amount you paid to CCA in the twelve (12) months preceding the event giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless CCA and its officers, members, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Services, the services you provide to your own clients, your violation of these Terms or the Code of Ethics, or your violation of any law or the rights of any third party.

Term, Changes & Termination

These Terms remain in effect until terminated by either you or CCA.

We may modify these Terms from time to time. We will provide notice of material changes by email, by posting an updated version on the CCA website, or by requesting a digital acknowledgment (such as an “Agree” action) at login. Changes take effect when posted unless we state otherwise. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms. If you do not agree to a change, your remedy is to terminate your membership; termination is your sole and exclusive remedy for a change you find unacceptable.

You may terminate your membership at any time through your account or by contacting us. We may suspend or terminate your access for violation of these Terms or the Code of Ethics, or as otherwise permitted by law. Provisions that by their nature should survive termination—including intellectual property, disclaimers, limitation of liability, indemnification, and governing law—will survive.

Governing Law & Disputes

These Terms and your use of the Services are governed by the laws of the State of Tennessee, USA, without regard to its conflict-of-laws rules. Before filing any formal claim, the parties agree to attempt in good faith to resolve the dispute informally by written notice for at least thirty (30) days. Any dispute not resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in Shelby County, Tennessee, and you irrevocably consent to that jurisdiction and venue.

Privacy

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Services, you consent to the practices described in that policy.

General Provisions

Entire agreement. These Terms, together with the Code of Ethics and Privacy Policy, constitute the entire agreement between you and CCA and supersede any prior agreements on the same subject.

Severability. If any provision is found unenforceable, the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control.

Contact

Questions about these Terms may be directed to:

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