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
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.
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
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
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.
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
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
These Terms and Conditions constitute the complete agreement.