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ACA Logos

This page is for members only. 

To become a member, please visit acainternational.org/membership.

Logo Use Policy

ACA members may download the Association’s member logo to promote their membership in ACA International.

(Please read the policies below regarding logo use before displaying.)
ACA International, a Minnesota non-profit corporation and any of its affiliates (“ACA”) takes pride in the reputation it has acquired since its foundation and as a result, must make sure to protect its marks.  ACA is the sole owner of many trademarks, service marks, trade dress and other source identifiers used in its materials and provided as part of its services, whether registered with the United States Patent and Trademark Office (“USPTO”) or held as common law marks, along with the associated goodwill (collectively referred to as “ACA Marks”), including, but not limited to, ACA’s collective membership marks created for ACA Members to use as a benefit of membership and as a way of signifying the superior quality associated with being a member of ACA, identified as United States Registration Numbers 4917197, 4917196, and 4185611 (“Association Marks”), and ACA’s certification marks created to demonstrate the successful completion of ACA courses, including, but not limited to, Credit and Collection Compliance Officer (CCCO), Professional Collection Specialist (PCS), Trainer Specialist (TSP), Professional Practices Management System (PPMS), International Fellowship of Certified Collection Executives (IFCCE), and CCCP (“Certification Marks”). Please make sure to read the terms of this “Logo Use Policy” setting forth the guidelines for using ACA Marks, the Association Marks and the Certification Marks. By accessing the website located at www.acainternational.org (“Website”); becoming an “ACA Member,” or otherwise participating in ACA’s programs; utilizing The Hub service; receiving and/or viewing ACA publications; participating in ACA courses, seminars or online events; purchasing any goods and/or services from ACA; registering to use the Website; or otherwise utilizing any information and/or services that are available on the Website, or provided by ACA, you as the “User” acknowledge your acceptance of the Logo Use Policy. ACA is the sole owner and holds all right, title and interest in and to the ACA Marks, the Association Marks and the Certification Marks. This Logo Use Policy sets forth the terms of the limited license provided to the User.

ACA Non-Member Mark Policy

This Logo Use Policy does not include any license for a User, that is not an ACA Member, to use ACA Marks, unless otherwise authorized by law, except for the rights set forth in this section (“Nonmember License”).
  • User is hereby granted the Nonmember License right to display the ACA Marks on User’s material, provided that: (a) if the ACA Mark is displayed electronically, the display must create a link to ACA’s Website with the words “ACA International” or the ACA Marks in the exact form set forth in the Federal Registrations found at the USPTO website (“Logo(s)”); (b) User does not misrepresent that User is an ACA Member, unless the ACA annual membership dues have been paid; (c) User may not use the Association Marks with the word “member,” unless User is an ACA Member; (d) User hereby acknowledges that all right, title and ownership to the ACA Marks belong to ACA; (e) User may not create frames around the Website or use other techniques that alter in any way the visual presentation or appearance of the Website; (f) User must not misrepresent User’s relationship with ACA or present false or misleading impressions about ACA; (g) no links to the Website may be used in a manner that implies or suggests that ACA approves or endorses User, User’s website or User’s goods and services; (h) any nonmember that includes an ACA Mark on their website must include a reference on the website page that states “[company name] is not a member of ACA International.”; and (i) ACA shall have no responsibility for any content appearing on User’s website.
  • The Nonmember License right to display the ACA Marks must: (a) adhere to the identification, color, spacing and size requirements for the ACA Marks as displayed below or as displayed in the Federal Registrations with the USPTO; (b) include the use of  proceeding the display of each of the ACA Marks; (c) include a legend identifying ACA International as the owner of the ACA Marks; and (d) only use the ACA Marks as legally allowed by federal law.  Any goodwill derived from User’s use shall inure to the benefit of ACA.
  • Users are hereby granted the nonexclusive, limited, revocable Nonmember License right to display the ACA Marks if: (a) the use reflects favorably on ACA; (b) the use is referencing ACA products and/or services; (c) User’s business name and logo appear more prominent than the ACA Mark on all printed materials related to the publication, seminar and/or conference; (d) User has provided a disclaimer of sponsorship, affiliation, or endorsement by ACA; (e) a trademark legend acknowledging ACA’s ownership of the ACA Marks; (f) User may not misrepresent itself as a Member if it is not; and (g) the use is fair use under federal law standards.
  • ACA shall have the sole right to terminate this Nonmember License at any time with written notice to the User.

Association Mark Policy

Subject to the terms and conditions set forth in this Logo Use Policy, ACA hereby grants the following nonexclusive, limited, revocable, royalty-free license, with no right to sublicense, to its ACA Members, but not the ACA Member’s affiliates, subsidiaries, parents, or related companies or any other third-party to use the Association Marks in accordance with the guidelines set forth in this section (“Member License”).
  • The Member License includes the ACA Member’s right to display the ACA Marks, the Association Marks and/or the Logos with the word “Member” printed in italics below the Logos on the ACA Member’s materials when identifying themselves as members of ACA (“Display Rights”). The Display Rights shall only be allowed in connection with the ACA Member’s credit, collection and supporting products and services business (“Services”). No ACA Member may modify ACA Marks, except to size it up or down with its same proportion to fit the layout of the display.  If any ACA Member needs to enlarge the ACA Marks significantly, please contact ACA for a file to fit the specific need. Significant enlargement of the ACA Marks will result in distortion and is not an authorized use. ACA reserves all right, title and interest in and to the ACA Marks. Any use of the ACA Marks granted herein shall inure to the benefit of ACA.
  • Unless otherwise terminated, the term of the Member License commences upon the date the ACA Member becomes a member of ACA and shall immediately cease upon the date the ACA Member’s membership lapses (“Expires/Expiration”). Only current ACA Members may use the Association Marks and the Display Rights.  Nonmembers must immediately remove any use of the Association Mark and the Display Rights if the membership Expires. The use of the Association Marks is a member benefit.  Upon Expiration, the Member License shall immediately cease, and the nonmember must remove all reference to the Association Marks, cease all Display Rights and shall not refer to itself as an ACA member.  By becoming an ACA Member, the ACA Member acknowledges that the failure to immediately remove any display of the Association Marks after Expiration could result in ACA publishing the nonmember’s status as a nonmember on the Website. The Member License shall be considered renewed upon the payment of the annual fees and the nonmember’s renewal as an ACA Member.
  • Notwithstanding Expiration, this Member License shall automatically terminate: (a) upon any misuse of the Association Marks; (b) the termination or cancellation of membership with ACA; (c) immediately upon ACA’s sole discretion based upon ACA’s belief the ACA Member no longer upholds the principles and/or reputation associated with Service standards; or (d) upon ACA ‘s written demand to terminate the Member License for Member’s breach of these terms or as required under ACA’s policies and procedures. Upon termination, this Member License shall automatically terminate, and all rights shall revert to ACA, and ACA Member shall destroy any and all of ACA Member’s materials incorporating the Display Rights and remove any reference to the Association Marks.
  • By becoming an ACA Member, the ACA Member agrees that any of use of the Association Marks after Expiration is a breach of the Member License.  Because this Member License requires continuing membership, Members will be required to change all of its materials upon Expiration of membership.
  • Any goodwill derived from Member’s use of the ACA Marks shall inure to the benefit of ACA.  Any use of the Association Marks should include the legend: “ACA International and its design are trademarks owned by ACA International.” at the bottom of the page that displays the Association Marks.
  • Nothing in this Member License shall give any ACA Member any right, title or interest in or to the Association Marks, other than the right to use the Association Marks in accordance with these terms.
  • The use of the Association Marks must be in accordance with ACA’s policies and procedures that are incorporated into this Member License by reference.
  • The Association Marks may not be used in association with business names and/or locations, including, but not limited to, branch offices, other than the name and location listed on the ACA Member’s certificate of membership.
  • ACA maintains quality control of the Association Marks.  ACA Member hereby agrees to maintain a high quality of all Services in connection with the Association Mark’s including, but not limited to, providing Services in accordance with ACA’s Code of Conduct; maintaining an active membership with ACA; and cooperating with ACA’s instructions to maintain quality control, including updating a lapsed membership or immediately removing the Association Marks upon notice from ACA that the Association Marks are being used in an unauthorized manner.  ACA Members shall cooperate with ACA to maintain quality control; including – when necessary – allowing ACA to inspect and evaluate ACA Member activity for compliance with the quality requirements under this Logo Use Policy
  • When placing the Association Marks on an ACA Member website, the Association Marks must be a clickable link from the Logo to the Website.  ACA hereby grants the ACA Member a nonexclusive, worldwide Member License to display the Association Marks with an embedded URL link to the Website, on ACA Member’s website, solely for the purpose of providing ACA Member’s end users with quick access to the Website by actually transferring the user out of the ACA Member’s website to the Website. Without limiting the foregoing, the link may not be used in any manner to provide user’s access to the Website via any framing, layering or other techniques now known or hereafter developed that permit display of the Website with any materials posted by ACA Member or any party other than ACA.
  • ACA Member may not use any trademark, service mark, trade name, insignia or logo that is confusingly similar to the Association Marks.
  • Companies that employ individual ACA Members are not permitted to use the Association Marks, unless they hold a company ACA membership.
  • ACA shall have the right to audit the use of the Association Marks in order to confirm compliance with this Member License and ACA Member shall fully cooperate with ACA.
  • ACA Member shall comply with all applicable laws and regulations and obtain appropriate governmental approvals pertaining to the advertising, marketing and use of the Association Marks.
  • There is no right to create modifications or derivatives of the Association Marks pursuant to this Member License.
  • MISUSE OF ASSOCIATION MARKS.  ACA shall take appropriate legal action for misuse of the Association Marks.  ACA Member hereby agrees that in addition to any remedies available at law, ACA shall have the right to post the names of any previous ACA Members who continue to use the Association Marks after their membership has been terminated on the Website as a list of nonmembers who are no longer ACA Members of the association.  ACA shall use reasonable efforts to contact any nonmembers in an attempt to renew the membership or to inform the nonmember of their misuse prior to publication of the nonmember name, but ACA is not obligated to contact any nonmember prior to publication. ACA may post a list of known unauthorized Users.
  • Notwithstanding the Member License, the ACA Member shall also be granted the Nonmember License until termination of either.
Certification Mark Policy Subject to the terms and conditions set forth in this Logo Use Policy, ACA hereby grants the following nonexclusive, limited, revocable, royalty-free license, without right to sublicense, to the entity and/or individual that has completed the applicable ACA certification program (“Certified User”), including, but not limited to, the specifically listed programs associated with the Certification Marks listed above (“ACA Certification Program(s)”) in accordance with the guidelines set forth in this section (“Certification License”).
  • The Certification License includes the Certified User’s right to display the Certification Mark associated with the ACA Certification Program successfully completed by the Certified User, along with a statement that the Certified User has completed the ACA Certification Program, provided the display is in connection with the Services and does not in any way, directly or indirectly, misrepresent the ACA Certification Program is controlled and/or provided by the Certified User (“Certification Mark Display Rights”). No Certified User may modify Certification Mark(s) from the authorized Logos, except to size it up or down with its same proportion to fit the layout of the display.  If any Certified User needs to enlarge the Certification Mark(s) significantly, please contact ACA for a file to fit the specific need. Significant enlargement of any Logos associated with the Certification Marks could result in distortion and is not an authorized use. ACA reserves all right, title and interest in and to the Certification Marks. Any use of the Certification Marks granted herein shall inure to the benefit of ACA.
  • Unless otherwise terminated, the term of the Certification License commences upon the date the Certified User becomes certified in the specific ACA Certification Program.
  • The Certification License shall automatically terminate: (a) upon any misuse of the Certification Marks; (b) immediately upon ACA’s sole discretion based upon ACA’s belief the Certified User no longer upholds the principles and/or reputation associated with industry standards; or (c) upon ACA’s written notice of termination for Certified User’s breach of these terms or as required under ACA’s policies and procedures. Upon termination, this Certification License shall automatically terminate, and all rights shall revert to ACA and Certified User shall destroy any and all Certified User’s materials incorporating the Certification Mark Display Rights and remove any reference to the Certification Marks.
General License Terms There may be other restrictions relating to the ACA Marks located within other agreements User may have with ACA.  In the event of a conflict, the more restrictive provision shall prevail.  The general terms in this section apply to all Users, whether through the Nonmember or Member License.
  • IN NO EVENT SHALL ACA BE LIABLE FOR INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING FROM OR RELATED TO THE USE OF THE ACA MARKS, THE ASSOCIATION MARKS OR THE CERTIFICATION MARKS, INCLUDING ECONOMIC DAMAGES AND/OR LOST PROFITS.
  • User agrees to indemnify, defend and hold ACA harmless from and against any claim, loss, damages, action, suit or demand of any kind, including any attorneys’ fees, for misuse of the ACA Marks, the Association Marks or any Certification Marks, or breach of this Logo Use Policy, except that this provision shall not require User to indemnify, defend and hold ACA harmless for ACA’s own acts of negligence or gross or willful misconduct
  • User may not use any trademark, service mark, trade name, insignia or logo that is confusingly similar to the ACA Marks, the Association Marks and the Certification Marks.
  • User agrees that the laws of the state of Minnesota, without regard to principles of conflict of laws, will govern this Logo Use Policy and both ACA and User submit to the exclusive personal jurisdiction and venue of the state or federal court in Hennepin County, Minnesota.
  • In any action, formal or informal, initiated by ACA to enforce this Logo Use Policy, ACA will be entitled to costs and attorneys’ fees.
Contact ACA International if you have questions regarding this Logo Use Policy or to report suspected unauthorized use.
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Important Notifications

Please take a moment to review your important notifications below. You can find all your notifications at My ACA Assistant.

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Terms of Use

ACA International’s Website Terms of Use and Intellectual Property Policy

Please read to the end of our “Terms of Use” by scrolling through all the way down.

This Terms of Use Agreement is a legal agreement between ACA International, a Minnesota non-profit corporation, whose notice address is contained below, and any of its affiliates (“ACA”) and any person using the website located at www.acainternational.org (“Website”), whether using the public portion of the Website that does not require you to provide any password information (“Public Site”) or the private portion of the Website designated for ACA Members through a password protected login (“Member Site”) (collectively and interchangeably referred to as you or “User”). By using this Website, purchasing products from ACA or utilizing any service or business offered by ACA, you accept these conditions and agree to be bound by the terms of this Agreement.  Please read them carefully.  You may print this Agreement at any time by clicking on the link on the Website.

Terms

ACA provides the Website and various services subject to your compliance with this Terms of Use Agreement, any specifically referenced documents contained herein, and any posted guidelines, rules or other documents applicable to such services or materials posted on the Website that are all incorporated by reference (collectively referred to herein as “Terms of Use”).

Acknowledgement

BY COMPLETING THE REGISTRATION PROCESS AND/OR USING THIS WEBSITE, USER AGREES TO BE BOUND BY THESE TERMS OF USE. IF USER DOES NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE EXIT THE WEBSITE NOW. USER’S REMEDY FOR DISSATISFACTION WITH THIS WEBSITE, OR ANY PRODUCTS, SERVICES, CONTENT OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS WEBSITE, IS TO STOP USING THE WEBSITE AND/OR THOSE PARTICULAR PRODUCTS OR SERVICES. USER’S AGREEMENT WITH ACA REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF USER’S USE OF THIS WEBSITE.

ACA reserves the right to change the Terms of Use from time to time without notice to User. User acknowledges and agrees that it is User’s responsibility to review this Website and the Terms of Use periodically and to be aware of any modifications. User’s continued use of this Website after such modifications will constitute User’s acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use. If any of these conditions are deemed invalid, void, or for any reason unenforceable, that condition is deemed severed and does not affect the validity and enforceability of any remaining condition.

ACA reserves the right to modify or discontinue the Website, including any features included, at any time with or without notice to User. ACA shall not be liable to User or any third party if ACA chooses to exercise such right. Modifications may include, without limitation, changes in the pricing structure, the addition of fee-based services or changes to limitations on allowable file sizes. Any new features that augment or enhance the services on the Website are also subject to the Terms of Use. The Website is provided “AS IS” with no warranty of any kind associated with the performance of the Website or the Content provided.

Privacy

Subject to ACA’s Privacy Policy located on the Website that is hereby incorporated, User is solely responsible for the contents of any of User’s communications submitted, transmitted, displayed, posted or shared through the Website or to ACA, whether by electronic mail or other means, for any reason (“User Data”). All User Data will be treated as non-confidential and non-proprietary. Unless otherwise established, User retains all rights in the User Data and hereby grants ACA and its designated licensees a non-exclusive, irrevocable, royalty free, perpetual, and worldwide right to copy, distribute, display, perform, publish, translate, adapt, modify, sublicense, create derivative works, and otherwise use such User Data for any purpose, regardless of the form or medium, whether now known or later developed, in which it is used (“User Data License”). User is responsible for ensuring no User Data is confidential, proprietary, or in any way related to an unsolicited idea or proposal, and User waives any allegation claiming otherwise.

User represents and warrants that: (a) User owns or otherwise controls all of the right, title and interest to the User Data; (b) the User Data is accurate; (c) use of the User Data does not violate this policy or any third-party rights and/or will not cause injury to any person or entity; and (d) User will indemnify ACA for all claims related to the User Data.

Electronic Communications

By providing your email address to ACA, User consents to receive electronic communications from ACA. ACA will communicate with User by e-mail or by posting notices on this Website. User agrees that all agreements, notices, disclosures and other communications that ACA provides to User electronically, satisfies any legal requirement that such communications be in writing. User further agrees that by supplying the User’s email to ACA, User consents to receiving email communication from ACA. This consent applies specifically to all business communications between User and ACA.

User is always entitled to receive a paper copy of any communication without charge, by contacting ACA. Upon receipt of your notice, ACA will mail a paper copy of any of the documents originally delivered in electronic format within 45 business days. You may also contact us at the above-listed contact points to revoke your overall consent to electronic communications. No fees shall be assessed against you if you choose to revoke your consent.

By providing your email address, you further agree that you have access to the hardware and software requirements necessary to review, upload and/or print your electronic communications.

The software and hardware requirements include having a valid email address that is personal and private to you, along with the ability to open a PDF document through a free Adobe™ or similar viewing program. If, at any time, you no longer have access to the necessary requirements, you agree to submit a request through our Website to update your contact information. You understand that ACA will notify you if there is any change in the hardware or software requirements that could impact your ability to access electronically formatted documents. Your continued use of the electronic documents after such time will serve as reaffirmation that you have sufficient hardware/software to view such documents.

As long as your consent is valid, you understand you must notify ACA of any change in your email. You take sole responsibility for failure to provide ACA with updated contact information.

Conduct

User’s use of the Website is subject to all applicable laws and regulations. User agrees not to upload, share, post, or otherwise distribute or facilitate distribution of ACA Content (defined below) or User Data that is or is used in a manner that is “Objectionable,” including, without limitation, displaying any Content or posting any User Data that is illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties, consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam,” includes a false e-mail address, impersonates any person or entity or otherwise misleads as to the origin of a card or other content. ACA reserves the right, but has no obligation, to remove or edit such Objectionable User Data.

ACA, at its sole discretion, may: (a) immediately terminate the services User receives from ACA (“Services”), and the Terms of Use, or otherwise restrict User’s Services; and/or (b) immediately remove any Objectionable User Data, with or without notice, if User posts Objectionable User Data.

Intellectual Property

ACA’s Intellectual Property is important and its protection is vital to ACA’s role in the credit and debt collection industry. The following provisions apply to ACA’s protection of its Intellectual Property.

Definitions

“ACA Content” means Information owned, created, or provided by ACA, either directly, or indirectly through speakers, committee members, independent contractors, members of ACA or any other party presenting information through ACA, or at an ACA sponsored event, including, but not limited to, any oral presentations, PowerPoint™ slides, written materials, Information included on the Website, such as software programs, training guides, presentations and seminars, and Intellectual Property.

“Confidential Information” means any and all ACA Content that is treated as confidential by ACA or that due to the nature of its subject matter or circumstances surrounding its disclosure, would reasonably be understood to be non-public or confidential, whether in oral, written, electronic, or other form or media, whether or not such ACA Content is marked, designated, or otherwise identified as “confidential.”

“Information” means any and all technological, scientific, business, legal, organizational, commercial, operational, or financial materials; unpublished or unpatented inventions, invention summaries and/or disclosures; compilations; samples; statistics; summaries; ideas; notes; concepts; data; know-how; discoveries; processes; essays; knowledge; improvements; methods; techniques; technologies; systems; interpretations; analyses; products; practices; procedures; protocols; research; tests; trials; controls; prototypes; formulas; sales information; descriptions; formulations; submissions; communications; skills; experience; plans; objectives; algorithms; reports; results; forecasts; studies; conclusions; inventions; trade secrets; designs; specifications; documentation; components; computer programs and all source and object code; images; icons; audiovisual components and objects; schematics; drawings; processes; visual depictions; and customer, vendor, and supplier lists; whether or not copyrightable or patentable, in any form or medium (tangible, intangible, oral, written, electronic, observational, or other), whether now known or later developed.

“Intellectual Property” and/or “IP” means any and all United States and foreign intellectual property rights included within any Information owned or created by ACA, along with any associated advertising materials, publications, technical papers and computer software, including, but not limited to: (a) all unexpired patents and patent applications and all rights therein, and any continuation, divisional, extensions, reissues, reexaminations or substitutions thereof, any subsequent filings in any country claiming priority therefrom, and any and all discoveries or inventions whether or not embodied within the foregoing, and any right, whether by license or otherwise, to use or exploit any of the foregoing; (b) all original works of authorship and all copyrights in any jurisdiction (whether or not registered), including, but not limited to, any renewals or extensions thereof, and all derivative works, whether in the current medium or any medium later developed, and any right, whether by license or otherwise, to use or exploit any of the foregoing (“Copyright(s)”); (c) trademarks, service marks, association marks, trade dress or other source identifiers, whether registered or unregistered, that are used by ACA (“Trademark(s)”); (d) all Confidential Information related to the items listed herein; and (e) any other proprietary rights associated with ACA’s Information, whether or not Confidential Information.

Right to Use

By accepting the Terms of Use, User acknowledges and hereby agrees that unless expressly stated otherwise, all ACA Content is solely owned and the property of ACA. User is granted a nonexclusive, revocable, non-assignable, limited license to: (a) access the ACA Content available through the Website for personal use; and (b) create a hyperlink to the Website on User’s website, so long as the link does not portray ACA, or its products or services, in a false, misleading, derogatory, or otherwise offensive manner, and User states that ACA is not affiliated with User. All rights not granted herein are reserved for ACA. This license specifically, but not exclusively, does not grant User: (a) any right to use Trademarks or Copyrights without ACA’s express written permission; (b) any right to resale or commercial use of the Website or ACA Content; (c) any right to create derivative use of the Website or ACA Content; (d) any right to use data mining, robots, or similar data gathering and extraction tools in connection to the Website or ACA Content; (e) any right to copy, commercialize, reproduce, modify, republish, upload, post, transmit, create derivative works or distribute any ACA Content from the Website, in any form, or by any means without prior written permission from ACA; (f) any right to frame or utilize framing techniques to enclose any Intellectual Property without express written consent of ACA; (g) the right to use any meta tags or any other “hidden text” using Intellectual Property without the express written consent of ACA; (h) any ownership rights to any ACA Content. Any unauthorized use of ACA Content is strictly prohibited and is a violation of ACA’s Intellectual Property rights that may result in criminal or civil penalties, and immediately terminates the permission or license granted herein by ACA.

ACA does not warrant or represent that User’s use of ACA Content or any other materials displayed on, or obtained through, the Website will not infringe the rights of third parties.

Policies

ACA has developed policies to ensure accordance with the laws respecting personal rights, antitrust limitations and ACA’s reputation. User hereby agrees to abide by ACA’s general policies in addition to the Terms of Use, including, but not limited to, ACA’s Logo Use Policy, ACA’s Copyright Policy, ACA’s Privacy Policy, and ACA’s Antitrust and Anti-Harassment Policies, all of which can be found on the Website, which are incorporated herein by reference (“Website Policies”).

User Material

If at any time User believes its copyright, trademark or other property rights have been infringed by a posting on the Website, User shall immediately send notification to ACA’s “Designated Agent” that is identified below.

Designated Agent

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. Sec. 512(c), ACA’ Designated Agent for notice of claims of copyright infringement can be reached as indicated below. Service of repeat infringers of copyright or of users about whom repeat claims of copyright infringement are received will be terminated.

Designated Agent for Claimed Infringement:
ACA International
Legal Department
3200 Courthouse Lane, Eagan, MN 55121-1585
(952) 926-6547

User acknowledges and agrees that upon receipt of a notice of a claim of copyright infringement, ACA may immediately remove the identified materials from the Website without liability to User or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the United States Copyright Office for adjudication as provided in the Digital Millennium Copyright Act.

Product Descriptions

ACA attempts to be as accurate as possible. However, ACA does not warrant that product descriptions or other ACA Content of this Website is accurate, complete, reliable, current, or error-free. If a product offered by ACA itself is not as described, User’s sole remedy is to return the product in unused condition.

Third Party Sites and Information

The Website may offer third party links allowing User to access other sites on the Internet or that include third party user data, commentary, posts, blogs or otherwise include information, documents, software, materials and/or services provided by other parties (“Third-Party Content”). Third Party Content may contain information or material that some people may find inappropriate or offensive. User Data and Third-Party Content are not under ACA’s control and ACA has no affiliation, does not endorse or take responsibility for any User Data or Third-Party Content. User acknowledges that ACA is not responsible for the accuracy, copyright compliance, legality, decency or any other aspect of the Third-Party Content, nor is ACA responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such Third-Party Content does not imply endorsement of, or association with, the Third-Party Content by ACA.

Disclaimer of Warrranties and Limitation of Liability

THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO USER THROUGH THIS WEBSITE ARE PROVIDED BY ACA ON AN “AS IS” AND “AS AVAILABLE” BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. ACA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO USER THROUGH THIS WEBSITE, UNLESS OTHERWISE SPECIFIED IN WRITING. USER EXPRESSLY AGREES THAT USER’S USE OF THIS WEBSITE IS AT USER’S SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, ACA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. ACA DOES NOT WARRANT THAT THIS WEBSITE, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO USER THROUGH THIS WEBSITE, THE SERVERS, OR E-MAIL SENT FROM ACA ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ACA WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO USER THROUGH THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Through User’s use of the Website, User may have the opportunities to engage in commercial transactions with other users and vendors. User acknowledges that all transactions relating to any merchandise or services offered by any party, including, but not limited to, the purchase terms, payment terms, warranties, guarantees, maintenance and delivery terms relating to such transactions, are agreed to solely between the seller or purchaser of such merchandise and services and User.

ACA MAKES NO WARRANTY REGARDING ANY TRANSACTIONS EXECUTED THROUGH, OR IN CONNECTION WITH THE WEBSITE, AND USER UNDERSTANDS AND AGREES THAT SUCH TRANSACTIONS ARE CONDUCTED ENTIRELY AT USER’S OWN RISK. ANY WARRANTY THAT IS PROVIDED IN CONNECTION WITH ANY CONTENT, PRODUCTS, SERVICES, MATERIALS, OR INFORMATION AVAILABLE ON OR THROUGH THE WEBSITE IS PROVIDED SOLELY BY SUCH THIRD PARTY OR THROUGH A SEPARATE ACKNOWLEDGEMENT. ACA DOES NOT INCLUDE ANY EXPRESS PRODUCT WARRANTY WITHIN THE TERMS OF USE.

Indemnification

Upon a request by ACA, User agrees to indemnify, defend and hold ACA harmless from all liability, loss, claim and expense, including attorney’s fees, related to User’s violation of the Terms of Use or misuse of the Website. ACA hereby reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by User, in which event User will cooperate with ACA in asserting any available defenses.

Privacy Policy

ACA’s Privacy Policy, located on the Website, as it may change from time to time, is a part of the Terms of Use and incorporated herein by reference. User is solely responsible for reviewing the Privacy Policy.

International Use

Although the Website may be accessible worldwide, ACA makes no representation that materials on the Website are appropriate or available for use in locations outside the United States and accessing them from territories where their contents are illegal is prohibited. Users who access the Website from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, services and/or information made in connection with this Website is void where prohibited.

Termination of Use

User agrees that ACA may, in ACA’s sole discretion, terminate or suspend User’s access to all or part of the Website with or without notice and for any reason, including, without limitation, breach of the Terms of Use. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating User’s relationship and may be referred to appropriate law enforcement authorities. Upon termination or suspension, regardless of the reasons therefore, User’s right to use the ACA Content available on the Website immediately ceases and User acknowledges and agrees that ACA may immediately deactivate or delete User’s account and all related information and files in User’s account and/or bar any further access to such files or the Website. ACA is not liable to User or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by ACA in connection therewith.

Assignment

The Terms of Use may be automatically assigned by ACA in its sole discretion. User may not resell, assign or transfer any of its rights or obligations under the Terms of Use, in whole or in part, without ACA’s prior written consent and any attempt to so resell, assign or transfer will be null and void.

Attorneys’ Fees

In any action, formal or informal, initiated by ACA to enforce the Terms of Use, ACA will be entitled to costs and attorneys’ fees.

Interpretation

If a court finds any provision of the Terms of Use invalid or unenforceable, the remainder of the Terms of Use shall be interpreted so as to best affect the intent of the parties or the parties agree that the maximum period or scope legally permissible under such circumstances will be substituted for the period or scope stated herein.

Amendment

The Terms of Use may be amended at any time by ACA without specific notice to User. The latest Terms of Use will be posted on the Website, and User takes sole responsibility to periodically review the Terms of Use prior to using the Website.

Applicable Law

By using the Website, User agrees that the laws of the state of Minnesota, without regard to principles of conflict of laws, will govern these Terms of Use and any disputes relating in any way to ACA or to products or services sold or distributed by ACA and both ACA and User submit to the exclusive personal jurisdiction and venue of the state or federal court in Hennepin County, Minnesota.

Payment of Fees

Fees due by User for using certain services or purchasing products are either set out in a separate agreement or described elsewhere in the Website and are the sole responsibility of User (“Fee”). Any such agreement is incorporated by reference. If User incurs a Fee, User agrees to pay all Fees. ACA will bill all Fees to User’s credit card or other automatic payment option available and provided to ACA by User. User agrees to provide ACA with accurate and complete billing information, including valid credit card information, User’s name, address and telephone number and to provide ACA with any changes in such information within five (5) calendar days of the change. If, for any reason, User’s credit card company refuses to pay the Fee, User agrees that ACA may require User to pay any unpaid amount due upon demand (“Default”) by other means acceptable to ACA. If legal action is necessary to collect any Fees due, User agrees to reimburse ACA for all expenses incurred to recover Fees due, including collection fees, attorney’s fees and other expenses.

Registration Data

In order to access some of the services on the Website, User will require an account, password and/or other information and data provided to ACA in connection with the use of the Website (“Registration Data”). By providing Registration Data, User agrees that all information provided in the Registration Data is true and accurate, User is at least eighteen (18) years of age and that User will maintain and update this information as required to keep it current, complete and accurate. User grants ACA the right to disclose to third parties certain Registration Data about User in accordance with its Privacy Policy. Registration Data is considered “Personal Information” within the Privacy Policy. ACA shall act in accordance with the terms of its Privacy Policy when handling the Registration Data. User is also responsible for maintaining the confidentiality of the Registration Data, and for any and all statements made, and acts or omissions that occur by use of the account associated with the Registration Data (“Account”). User must take steps to ensure that no third-party can utilize the Registration Data or the Account. User may not transfer or share User’s Account with anyone, and ACA reserves the right to immediately terminate User’s Account in the event of any unauthorized transfer or sharing. Each Account is personal to a single User.

Exclusive Member Content

Users that are ACA members (“Members”) and in the event the Member is an entity, their properly authorized individual users, will be provided online access to valuable information relevant to the credit and collection industry on the Website and hub.acainternational.org (“Hub”), which is exclusive to Members, much of which is specifically designated as members-only content and requires User specific Registration Data and Account (“Member Content”). Members hereby acknowledge Member Content is the sole property of ACA and is included as ACA Content. Entity Members may authorize individual employee user access to Member Content, wherein each user identified in the ACA user roster will be assigned unique Registration Data. Entity Members are responsible for the conduct of their employees that use the Website and/or the Hub. Entity Member’s responsibility for employee conduct does not absolve the employee of their personal responsibility to comply with Terms of Use. Additions, deletions, and modifications to a Member’s information, and employee roster, must be made by the Member’s designated contact. Members are required to maintain an up-to-date and accurate roster. Rosters must timely reflect changes regarding inactive email addresses and Users who have separated from employment. Only those employees physically located at the approved Member geographical location may be provided access. In no event may any entity Member add a non-employee to its user roster, or otherwise allow non-employees access to Member Content through the Member’s Account. Hub use must comply with ACA’s Hub Terms of Access as they may be amended from time to time, which is incorporated herein by reference. If the Member learns a User identified in the Member’s user roster, or otherwise through the Member’s Account, has improperly accessed or disseminated information originating from ACA or violated the Terms of Use, the Member must report the event to ACA immediately and take appropriate corrective action, which shall include, but not exclusively: (a) preventing further unauthorized access; (b) issuing notice to all known and suspected unauthorized recipients of the breach; (c) providing to ACA a disclosure of all known recipients of Member Content; (d) destroying or returning all information improperly retrieved or disseminated; and (e) cooperating with ACA in such a manner as ACA may determine appropriate under the circumstances to avoid further harm.

Delivery

Unless in downloadable format, most product orders placed with ACA are delivered via FedEx, UPS and USPS, within four (4) business days to two (2) weeks of ordering the product. Back orders can take up to six (6) weeks depending on the type of product ordered. User will pay all shipping charges for ordered and returned items. Shipping charges are subject to change without prior notification to User.

Limitation of Liability

ACA Content is presented for educational, general reference and informational purposes only and is not intended to serve as legal or other advice. ACA does not represent or warrant that ACA Content is accurate, complete or current for any specific or particular purpose or application. ACA Content is not intended to be a full and exhaustive explanation of the law in any area, nor should it be used to replace the advice of your own legal counsel.

ACA CONTENT IS PROVIDED “AS IS.” ACA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND AS TO ACA CONTENT, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE, UNLESS OTHERWISE SPECIFIED BY ACA IN WRITING. BY USING ACA CONTENT IN ANY WAY, WHETHER OR NOT AUTHORIZED, USER ASSUMES ALL RISK AND HEREBY RELEASES ACA FROM ANY LIABILITY ASSOCIATED WITH ACA CONTENT, UNLESS SEPARATELY PROVIDED IN WRITING BY ACA IN A SEPARATE CONTRACT.

Risk of Loss

All items purchased from ACA are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to User upon our delivery to the carrier.

FURTHER, ACA SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY GOODS AND SERVICES OFFERED THROUGH THE WEBSITE OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS THROUGH THIS WEBSITE INCLUDING, WITHOUT LIMITATION, THE PROCESSING OF ORDERS.

Updated 3/1/2019

 

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The content on this site is presented for educational, general reference, and informational purposes only; is not intended to serve as legal or other advice; is not intended to be a full and exhaustive explanation of the law in any area; and should not replace the advice of your own legal counsel. By continuing to use our site, you are agreeing to the legal disclaimers in our Terms of Use. Review our Terms of Use for more information.

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