Terms of Service and Use

Please note:

It is important that you ("You") read, understand and accept the Terms and Conditions for using this site (www.ccasite.org). When this site is accessed, used, or viewed, you agree to the terms and conditions that follow. If you do not agree to these terms and conditions, you should immediately cease all actions pertaining to this site

The Credit Consultant Association ("CCA") is a non-profit trade association providing credentials e.g certification including study materials and testing for the credit service industry. This is what you paying for to obtain credentials and membership to our trade association vowing to do no harm to the public. CCA monitors all member access to the CCA member section for abuse. The CCA member section within this site is proprietary to CCA and may be accessed by members only. Unlawful distribution of member usernames and/or passwords to individuals or organizations who are not specifically approved by CCA will cause CCA to terminate the member(s) access to the CCA member section and take any legal action.

CCA Web Site Content
All materials in this site are intended to keep our members updated about the credit and debt industry as well as provide consumers with information about credit counseling and debt management programs.

No Warranty
CCA makes no warranties of any kind, either expressed or implied as to any matter including, but not limited to, warranty of fitness for a particular purpose or merchantability, exclusivity or results obtained from use of the material

Information You Submit
If you communicate with us via email or otherwise provide information to us through this site, all information you provide to us is on a non-confidential or non-proprietary basis, without restrictions of any kind whatsoever, and all information may be disclosed, distributed, modified, reproduced and used by us in any manner we choose, without paying compensation to you.

This site may include links to other sites, which are provided as a convenience to you and as an additional access to the information contained therein. We are not responsible for the content of any other sites or any products or services that may be offered through other sites.

When hyperlinking to the CCA website, you must do so in a manner that does not imply any affiliation with or endorsement by CCA for your organization or website. You may use the following statement to characterize our site:

CCA is an industry education and advocacy organization whose mission is to promote and ensure the continued operation and viability of credit counseling and debt management organizations.

Accuracy, Completeness and Timeliness of Information on the Site
We are not responsible if information that we make available on this site is not accurate, complete or current. The materials on this site are provided for general information only, and any reliance upon the material found on this site will be at your own risk. We reserve the right to modify the contents of the site at any time, but we have no obligation to update any information on this site. You agree that it is your responsibility to monitor changes to the site.

Your Liability
If you cause a technical disruption of the site or the systems transmitting the site to you or others, you agree to be responsible for any and all civil and or criminal penalties, including but not limited to attorneys fees, actual and consequential damages arising from the disruption of the sites, all efforts taken to correct and restore the site, and to defend the rights of CCA.

The laws of the State of Tennessee govern the terms, conditions and use of this site, and all users irrevocably consent to the exclusive jurisdiction of Shelby County, Tennessee for any action to enforce these terms, conditions, and use of this site. Unauthorized access is a violation of the laws of the United States and the State of Tennessee and may result in civil or criminal penalties.

If any materials on this site or use of this site are contrary to the law of the place where accessed and viewed, the site is not intended for access and view and shall not be used or viewed. Therefore, viewers are responsible for informing themselves of the laws of their specific jurisdiction and complying with them.

Changes to These Terms
CCA reserves the right, at its complete discretion, to change the terms, conditions and use at any time by posting revised terms, conditions and use restrictions on the site. It is the viewer's responsibility to check periodically for any changes CCA may make to these terms, conditions and use restrictions. Continued use of this site following the posting of changes to these terms, conditions and use restrictions means you accept the changes.

Refund Policy
All orders and sales of material are final upon signing up for membership we are a credential service proving testing links and certification. Please understand that we are non-profit training and watch dog trade association similar to the Better Business Ass. and our membership is not a internet sales program we operate at cost. Our system was designed to provide a competent test for individuals seeking certification in the credit service industry. We do not offer and money back guarantee for such a program. No books and materials or testing fees are refundable. There are costs associated with an individual just signing up for membership. Non refundable Testing fee of $99  for each exam and membership fee of $47 are included in price, and all shipped items are POD with raw material costs. You can transfer your membership, books and materials to another party that we will accept in your behalf. It is our goal to work with you in any way we can to assist in this matter. Our operating cost is greater than the materials we offer and you are paying for reproduction. By signing up for our service you are instantly receive exam links and agree that these are non-refundable. You are agreeing to pay all fees to collect any chargeback claims and void membership to our organization. This is consider attempting to defraud our organization for seeking credentials claiming it was not as describe. 

Copyrights and Trademarks
All materials in this website are the sole and exclusive property of CCA unless otherwise noted. The content of this website are protected by U.S. copyright, trademark and other laws, and you acknowledge that these rights are valid and enforceable. Misuse, misdirection or misappropriation of any material, image, text, content or trademark contained within the CCA website is prohibited, and CCA will aggressively enforce its intellectual property rights in such Copyrights, Trademarks and Material, including via civil and criminal proceedings.

Entire Agreement
These Terms and Conditions constitute the complete agreement.