anonymous

Game-Changing.
Cutting Edge. 
Captivating. 
Innovative. 
Inspiring. 
Brilliant. 
Fresh.

INSIGHTS & INNOVATION

The Annual Convention & Expo is ACA’s flagship event featuring a fabulous lineup of inspiring keynotes on the main stage, as well as industry innovators, wayfinders, and experts who share valuable tips and insights.

LAUGHTER and CAMARADERIE GUARANTEED!
It is our largest event of the year, which also makes it a fantastic opportunity to connect in-person with colleagues and create lasting relationships with new connections.

CHANGE YOUR GAME 
Whether in sessions or through forging new partnerships with exhibiting partners, this is the place to change up your game and keep your business ahead.

Exhibit & Sponsorship Opportunities

Don’t wait to sign up for exhibits and sponsorships! Check out the Exhibitor and sponsor tabs to see what is still available. 

Our team is working on curating another amazing San Diego experience. Visit this page again for more updates! In the meantime, check out the exciting networking events we have lined up below!

PDUs:
Attending the convention gives you 9 Professional Development Units towards ACA’s Designations.

CLEs:
Up to 9 CLE credits are available for the convention. ACA will apply for CLE credits for all states requested by attendees. Requests must be submitted by Tuesday, June 18, 2024. Please note that approval from each state is not guaranteed, and legal education sessions are for ACA members only.

Innovation Stage
The Innovation Stage provides a platform for exhibitors and sponsors to deliver 15-minute presentations in the Expo Hall on new technology or solutions that advance the credit, collections, and accounts receivables industries. This format allows attendees to hear about these solutions without having to miss breakout sessions. All Innovation Stage sessions are included in the schedule and are indicated with “[Innovation Stage]” at the start of the session title.

Schedule


Council of Delegates Reception

5:00 PM - 6:00 PM

This reception is for the ACA International Council of Delegates, Board of Directors, Board candidates and ACA International Past Presidents.


Exhibitor Set-Up

7:00 AM - 3:00 PM

Entrance into the Expo Hall during set-up hours are limited to only registered booth staff. Exhibitors who hire a contractor for booth set-up must identify those individuals in advance. Exhibit or Booth Set-Up badges are required for entry during set-up time.

Check in at registration before heading to the Expo Hall, badges will be checked.  Exhibitors must be fully set by 3:00 PM.


Registration

7:00 AM - 7:00 PM

Sponsored by LexisNexis

 


Council of Delegates Meeting & Breakfast [ACA Members Only]

7:30 AM - 10:00 AM

This is the annual business meeting of the ACA Council of Delegates. 


[Interest Group] InterProse ACE User Meeting - Development Roadmap & Networking

10:00 AM - 1:00 PM

Come join ACE users and InterProse executive team members to hear how technology is shaping the development roadmap for ACE and provide your feedback on what is most important to your business. Please contact Aaron Reiter for additional information. Current users and those evaluating platforms are welcome. [email protected] or 360 907-5880.


State Guide Cohort [RSVP Required]

1:00 PM - 3:00 PM

Get ready to experience ACA's State Guide Cohort in person! Whether you're an ACA State Guide subscriber or not, this 2-hour session offers a unique opportunity to explore the valuable insights provided by ACA's Guide to State Collection Laws and Practices, affectionately known as "State Guide". 

State Guide has long been one of the association’s most popular compliance tools. It contains a curated collection of ARM-industry-relevant state laws and related materials that impact debt collection and business operations. It covers topics such as:

  • Interstate Collections
  • First-Party Collections
  • Commercial Collections
  • Attorney Licensing
  • Purchaser Licensing
  • Garnishment
  • Right of Assignment
  • Adding Fees
  • Employee Monitoring
  • Automated Dialing and Announcing Devices
  • Contact/Fee Information

Cost: There is no cost to attend. RSVP for this session by adding it to your convention registration. 

Attorneys: ACA is applying for CLE credits for this session. CLE credit will be provided for those whose states approve the program. 


First Timers & New Members Meet & Greet

2:00 PM - 2:45 PM

Stop in for tips on how to make the most of your convention experience. All first-time attendees, new members or those who have not attended for several years are invited to attend.


Visionaries Reception

2:30 PM - 3:15 PM

Sponsored by RevSpring

As champions of progress, the ACA Visionaries Committee leads ACA International’s commitment to fostering a diverse, equitable, inclusive, and welcoming environment for all.  Learn about monthly ACA's Water Cooler Chats, quarterly webinars and the upcoming Visionaries conference in November. Beverages and light snacks will be provided.


Main Stage: Opening Remarks + Keynote

3:30 PM - 5:00 PM

Sponsored by Finvi

ACA CEO Scott Purcell and President David Williams kick off the convention followed by our opening keynote.


Welcome Reception & Innovation Stage

5:00 PM - 7:00 PM

Sponsored by Collectors Insurance Company, Aon, AXIS and CT Corporation

The official opening of the expo hall is a do-not-miss event! Notorious for peak attendance, you'll see the latest in technology, solutions and services to help you better service your clients, employees and consumers. Be sure to start your evening off with friends, colleagues, and new acquaintances at the Welcome Reception. 

Innovation Stage

The Innovation Stage provides a platform for exhibitors and sponsors to deliver 15-minute presentations in the Expo Hall on new technology or solutions that advance the credit, collections, and accounts receivables industries. This format allows attendees to hear about these solutions without having to miss breakout sessions. All Innovation Stage sessions are included in the schedule and are indicated with “[Innovation Stage]” at the start of the session title and will be posted in early June.


Dinner with Strangers [Pre-Registration Required]

7:00 PM - 9:30 PM

You won’t know which restaurant you’ll be eating at (or which ACA members you’ll be dining with), until 30 minutes before dinner time. Participants pay for their own dinner and drinks at the restaurant. Groups will arrange their own transportation. Plan to meet at Sapphire 402 next to the ACA registration desk at 7:00 PM for group assignments; and reservations are set for 7:30 PM.


[Interest Group] Runners Club - Bay Run

6:30 AM - 7:30 AM

Join an early morning site-seeing run with ACA members Jon Balon of Williams & Fudge and Aaron Reiter of InterProse.Plan for a +/- 4 mile run starting from the hotel lobby. 

SIGN UP with Aaron: [email protected] or (360) 907-5880.


Breakfast in Expo Hall

8:00 AM - 9:00 AM


Expo Hall Open

8:00 AM - 3:45 PM

Innovative technology and efficiency are important as the world changes at a pace we've never seen. At Expo 2024, our exhibitors and sponsors are excited to share the industry's newest technologies and services to help you achieve the results you are looking for. Make your list and make time to visit with each company while you are at convention. 


Registration

8:00 AM - 3:45 PM

Sponsored by LexisNexis

 


[Invitation Only] KCIA Breakfast

8:00 AM - 9:00 AM

ACA welcomes the Korean Credit Information Association to San Diego! Attendance at this breakfast is by invitation only.


Breakout Sessions

9:15 AM - 10:15 AM


Morning Break & Innovation Stage in Expo Hall

10:15 AM - 11:00 AM

Sponsored by CDS Software

 


Main Stage: The Forefront of Federal & State Advocacy

11:00 AM - 12:00 PM


Lunch & Innovation Stage in Expo Hall

12:00 PM - 2:00 PM

Sponsored by InterProse

 


[Invitation Only] group50 Meeting & Working Lunch

12:00 PM - 2:00 PM

This annual meeting is for members of ACA's group50. 


Breakout Sessions

2:00 PM - 3:00 PM


Ice Cream Break & Innovation Stage in Expo Hall

3:00 PM - 3:45 PM

Sponsored by Provana

Celebrate National Ice Cream Month at Provana's booth. 


Breakout Sessions

3:45 PM - 4:45 PM


Small Agency Jam Session

4:45 PM - 5:45 PM

Let's Jam! Attending convention is about making life-long connections with those with similar business issues and questions. Agencies with 50 or fewer employees, swing by this reception to meet other fellow small agencies colleagues and learn about ACA's upcoming Small Agency Jam Sessions. RSVP when you register.


ACPAC Event: San Diego Bay Cruise (Tickets Required)

6:00 PM - 9:00 PM

Sponsored by Nationwide & REPAY

Join this journey filled with camaraderie, history of naval ships and stunning sights of all San Diego Bay offers. You'll see Coronado Island up-close and maybe even get a glimpse of Mexico. This bay cruise will include dinner, entertainment and drinks! Transportation to the port is on your own; 1.5 miles from the Hilton. Tickets are $225 per person. Sponsored by Nationwide & REPAY.

Benefitting the ACPAC administration fund.

Check out additional opportunities on how your company can support this event through sponsorships.


[Interest Group] Runners Club - City Run

6:00 AM - 7:00 AM

Join an early morning site-seeing run with ACA members Jon Balon of Williams & Fudge and Aaron Reiter of InterProse.Plan for a +/- 4 mile run starting from the hotel lobby.

SIGN UP with Aaron: [email protected] or (360) 907-5880.


Registration

7:00 AM - 1:30 PM

Sponsored by LexisNexis

 


Awards Breakfast

7:30 AM - 8:00 AM

Breakfast service will start at 7:30 and end at 8:00 a.m., followed by Awards presentation at 8:00 a.m.

Commemorate our industry champions who will be recognized for selflessly devoting their time and skills to advance the accounts receivable management industry. Receiving an ACA honor symbolizes a member’s commitment to the association and the industry. The Awards recognition is followed by our final keynote speaker.

 


Main Stage: Keynote

8:00 AM - 9:30 AM


Expo Hall Open

9:30 AM - 1:30 PM


Morning Break & Innovation Stage in Expo Hall

9:30 AM - 10:15 AM

Sponsored by Payment Savvy

 


Breakout Sessions

10:15 AM - 11:15 AM


Lunch & Innovation Stage in Expo Hall

11:15 AM - 1:30 PM

Enjoy lunch during your last chance to visit our exhibitor, sponsors and Innovation Stage sessions in the Expo Hall.


[Invitation Only] Past Presidents Lunch

12:00 PM - 1:00 PM

Attendance at this lunch is for ACA Past Presidents only. 


Breakout Sessions

1:30 PM - 2:30 PM


Exhibitor Tear-Down

1:30 PM - 5:00 PM

Entrance into the Expo Hall during tear-down hours is limited to only registered booth staff. Exhibitors who hire a contractor for booth tear-down must identify those individuals in advance. Exhibit or booth tear-down badges are required for entry during tear-down time.

Check in at registration before heading to the Expo Hall, badges will be checked. 

Exhibitors must be fully cleared out of the Expo Hall by 5:00 PM.


Breakout Sessions

2:45 PM - 3:45 PM


President's Closing Celebration (Tickets Required)

6:00 PM - 9:30 PM

Celebrate ACA's in-coming President, Tim Haag. The night will begin with a reception, followed by dinner, installation of officers, and Tim's vision for his year as president.  RSVP is required. Tickets will be handed out at the registration desk to those who added this to their registrations. 

Exhibitors

The Expo show floor is filling up quickly! Are you ready to make a commitment?

For questions, please reach out to us at: [email protected]

See who is exhibiting:

AARC-360

8000 Avalon Blvd Ste 100
Alpharetta, GA 30009-2469
(866) 576-4414

Read More
ACA International

3200 Courthouse Ln
Eagan, MN 55121-1585
(952) 926-6547

Read More
AgreeYa (Cogent by AgreeYa)

605 Coolidge Dr
Folsom, CA 95630-4205
(916) 351-2503

Read More
Anteloope

1501 Technology Pkwy Ste 400
Cedar Falls, IA 50613-6921
4342298933

Read More
Aon Risk Services Central, Inc.

5600 W 83rd St Ste 1100
Minneapolis, MN 55437-1062
(952) 807-0641

Read More
Applied Innovation, Inc.

93 Eastmont Ave Ste 112
East Wenatchee, WA 98802-5305
(509) 886-3100

Read More
Arbeit Software

PO Box 950
Cheektowaga, NY 14225-0950
(716) 751-5500

Read More
AXIS Specialty U.S. Services, Inc.

10000 Avalon Blvd Ste 200
Alpharetta, GA 30009-2531
(678) 746-9400

Read More
Bloodhound® Software (Roydan)

602 N 9th St
Manitowoc, WI 54220-3924
+1 (800) 236-6906

Read More
Call Center Services International (CCSI)

5405 Morehouse Dr Ste 310
San Diego, CA 92121-4725
+1 (877) 399-3419

Read More
CastleWise Insurance Group, LLC

841 Prudential Dr Ste 1200
Jacksonville, FL 32207-8874
(904) 717-1616

Read More
CDS Software

2225 First Street, Suite 102
Simi Valley, CA 93065-1983
888-816-3333

Read More
Channel Payments, Inc.

8585 E Hartford Dr Ste 800
Scottsdale, AZ 85255-5475
(855) 955-1222

Read More
Collaborationroom.AI

3813 212th Ave SE
Sammamish, WA 98075-6265
1-877-855-0802

Read More
Collect! Debt Collection Software (Comtech Systems)

15640 NE Fourth Plain Blvd Ste 106 PMB 803
Vancouver, WA 98682-5141
+1 (800) 661-6722

Read More
Collectors Insurance Agency, Inc.

3200 Courthouse Ln
Eagan, MN 55121-1585
(612) 926-6547

Read More
CompuMail, Inc.

4057 Port Chicago Hwy Ste 300
Concord, CA 94520-1160
(360) 260-1888

Read More
Comtronic Systems, LLC

110 E 2nd St
Cle Elum, WA 98922-1110
(509) 573-4300

Read More
Concepts2Code

640 Ellicott St Ste 401
Buffalo, NY 14203-1253
(716) 242-8867

Read More
Contact Center Compliance

350 E St Ste 300
Santa Rosa, CA 95404-4440
(866) 362-5478

Read More
Cornerstone Licensing, LLC

9755 Dogwood Rd Ste 150
Roswell, GA 30075-7029
(770) 691-1168

Read More
CSS IMPACT!

21600 Oxnard St Ste 1970
Woodland Hills, CA 91367-4976
(818) 593-4830

Read More
CT Corporation

28 Liberty Way Fl 42
Albany, NY 12211-1953
(518) 451-8000

Read More
DAKCS Software Systems, Inc.

529 25th St Ste 200
Ogden, UT 84401-2482
(800) 873-2527

Read More
DialConnection, LLC

309 Fellowship Rd
Mount Laurel, NJ 08054-1234
+1 (610) 639-1760

Read More
Emprise Technologies

6048 Deer Park Ct
Toledo, OH 43614-6000
(419) 720-6982

Read More
Epicenter Technologies Pvt. Ltd.

Salasar Business Park
Mumbai, 401101
+1 (855) 884-7592

Read More
ExpertSource Global Services Private Ltd.

Deekay Tech Park, Unit - 102, Plot No C-99
Navi Mumbai , Maharashtra, 400705
(347) 899-4255

Read More
ezPay365

7749 Tartan Fields Dr
Dublin, OH 43017-8772
(614) 738-4900

Read More
Faber and Brand, LLC

6750 New Town Ave
Columbia, MO 65203-1610
(573) 449-3141

Read More
Finvi

1150 W Kilgore Ave
Muncie, IN 47305-1588
(765) 751-7000

Read More
FocusOne

13200 N Haggerty Rd
Plymouth, MI 48170-4285
+1 (248) 229-0527

Read More
IDI

2650 N Military Trl Ste 300
Boca Raton, FL 33431-6345
(561) 757-4000

Read More
Intelligent Contacts, Inc

5345 Towne Square Dr Ste 165
Plano, TX 75024-2463
+1 (972) 514-2017

Read More
International Association of Commercial Collectors, Inc.

3200 Courthouse Ln
Eagan, MN 55121-1585
(952) 259-2134

Read More
Latitude by Genesys

7601 Interactive Way
Indianapolis, IN 46278-2727
(877) 306-6063

Read More
LexisNexis Risk Solutions

1000 Alderman Dr
Alpharetta, GA 30005-4101
1-800-869-0751

Read More
LocateSmarter, LLC

1309 Technology Pkwy
Cedar Falls, IA 50613-6976
(319) 234-6686

Read More
Matrix Imaging Solutions, Inc.

6341 Inducon Dr E
Sanborn, NY 14132-9097
(716) 504-9700

Read More
Metalynx

400 International Way Ste 380
Springfield, OR 97477-7004
(541) 335-2221

Read More
Nationwide Insurance

1100 Locust St Dept 2016
Des Moines, IA 50391-2016
(515) 508-3853

Read More
Nobel Biz Inc

1507 Carey Ave Ste 4
Cheyenne, WY 82001-4484
(866) 776-6235

Read More
Nordis Technologies

4401 NW 124th Ave
Coral Springs, FL 33065-7636
+1 (954) 323-5500

Read More
Number Sentry

107 Technology Pkwy Ste 511
Peachtree Corners, GA 30092-2909

Read More
Nuvei

5055 E Washington St Ste 300
Phoenix, AZ 85034-2034
(800) 848-5826

Read More
Office Ally

1300 SE Cardinal Court
Vancouver, WA 98683
8013767483

Read More
Palinode

101 Westpark Dr Ste 100
Brentwood, TN 37027-5031
(615) 905-0141

Read More
Pay N Seconds

240 Glenis Dr
Murfreesboro, TN 37129-5158
(615) 869-0191

Read More
Payment Savvy LLC

5760 Legacy Dr Ste B3
Plano, TX 75024-7103
(866) 303-2558

Read More
PaymentVision

12276 San Jose Blvd Ste 624
Jacksonville, FL 32223-8672
(800) 345-7243

Read More
Payscout

5900 Sepulveda Blvd Ste 360
Sherman Oaks, CA 91411-2521
(888) 689-6088

Read More
Peak Revenue Learning

1805 Clemson Rd Unit 292414
Columbia, SC 29229-0597
(803) 521-0030

Read More
Provana, LLC

801 Warrenville Rd Ste 250
Lisle, IL 60532
(331) 229-8642

Read More
Quantrax Corporation, Inc.

4300 Montgomery Ave Ste 105
Bethesda, MD 20814-4442
(301) 657-2084

Read More
Reassigned Numbers Database

13221 Woodland Park Road
Herndon, VA 20171
1-800-763-2366

Read More
Renkim Corporation

13333 Allen Rd
Southgate, MI 48195-2216
(734) 374-8300

Read More
REPAY

3 W Paces Ferry Rd NW Ste 200
Atlanta, GA 30305-1373
(404) 504-7472

Read More
RevSpring, Inc.

38705 7 Mile Rd Ste 450
Livonia, MI 48152-3979
+1 (866) 310-8001

Read More
RNN Group, Inc.

101 Marietta St NW Ste 3305
Atlanta, GA 30303-2730
(866) 466-5996

Read More
Simplicated, Inc.

1501 Technology Pkwy Ste 400
Cedar Falls, IA 50613-6921
(972) 371-0241

Read More
Skit.ai

135 Madison Ave Fl 7
New York, NY 10016-6742
213-516-6718.

Read More
SndRight, LLC

4141 Butterfield Rd
Cedar Falls, IA 50613-9631
(319) 290-4777

Read More
Solutions By Text

15455 Dallas Pkwy Ste 600
Addison, TX 75001-6760
(800) 979-1212

Read More
Spokeo

199 S Los Robles Ave
Pasadena, CA 91101-2452
877-913-3088

Read More
TCN

162 N 400 E Ste B200
Saint George, UT 84770-7132
+1 (866) 745-1900

Read More
TEC Services Group, Inc.

5926 Palmer Blvd
Sarasota, FL 34232-2842
(941) 375-0300

Read More
TECsolutions, a business unit of TEC Services

5926 Palmer Blvd
Sarasota, FL 34232-2842
(941) 375-0300

Read More
The Intelitech Group

4800 NW Camas Meadows Dr Ste 220
Camas, WA 98607-7698
(360) 260-9780

Read More
The InterProse Corporation

201 NE Park Plaza Dr Ste 222
Vancouver, WA 98684-5877
(360) 604-3531

Read More
VoApps DirectDrop Voicemail

6 Concourse Pkwy NE Suite 500
Atlanta, GA 30328
(855) 737-1596

Read More
WebRecon LLC

2025 E Beltline Ave SE Ste 105
Grand Rapids, MI 49546-7673
(616) 682-5327

Read More

Sponsorship Opportunities

Sponsors are a pivotal role in the success of the Annual Convention & Expo – show ACA members you helped make their experience happen. While we have highlighted in the link below sponsorships that offer exceptional value, we understand that your unique goals and budget considerations guide your decisions. We invite you to engage in a conversation with us, allowing us to tailor a sponsorship package specifically aligned with your deliverables and financial parameters.

Reach out to us at [email protected] to create your sponsorship package today! 

Thank You to Our Sponsors:

Finvi Read More
QBE Read More
TransUnion Read More
TCN Read More
Provana, LLC Read More
TEC Services Group, Inc. Read More
Connect International, LLC Read More
LexisNexis Risk Solutions Read More
REPAY Read More
Payscout Read More
CSS IMPACT! Read More
The InterProse Corporation Read More
RevSpring, Inc. Read More
Nationwide Insurance Read More
Balch & Bingham LLP Read More
Emprise Technologies Read More
Nordis Technologies Read More
CDS Software Read More
Collectors Insurance Agency, Inc. Read More
Bayview Solutions, LLC Read More
Payment Savvy LLC Read More
CompuMail, Inc. Read More
Solutions By Text Read More
Collaborationroom.AI Read More
Prodigal Read More
Aon Risk Services Central, Inc. Read More
AXIS Specialty U.S. Services, Inc. Read More
Wolters Kluwer CT Corporation Read More
 

Hotel

Hilton San Diego Bayfront

Join us at the Hilton San Diego Bayfront for another amazing convention! Just steps away from the Gaslamp Quarter, the Hilton gives you easy access to an amazing culinary adventure and activities around the bay. Book early - rooms at ACA's rate are limited!

Beware of Unknown Housing Services

No third-party company or housing service is authorized to act on behalf of ACA International or the official event hotel(s) listed above. Be aware of potential fraud with third-party companies. Please use only the phone numbers and links provided above to reserve your room. Any companies claiming to represent ACA International, the ACA Convention or the above venues should not be trusted.

Hilton San Diego Bayfront Room Reservations

Hilton San Diego Bayfront
1 Park Boulevard, San Diego, CA 92101

Rate Information

Room Rate Cut-Off: Wednesday, June 26, 2024
Room Rate: $269 Run of House plus state/local taxes

A limited number of rooms are blocked for ACA attendees; therefore, we cannot guarantee rooms will be available through the reservation deadline. Make your reservations early! To receive ACA’s group rate, be sure to book using the reservation link above. For those looking to extend their stay, group rate is also available three days pre-event based on hotel availability at the time of booking. Group rate is not available after the convention due to ComicCon. Credit card is required to hold your reservation. Room cancellations must be submitted directly to the hotel at least three (3) days prior to arrival or otherwise one night’s room, fees and taxes will be charged.

Optional Urban Destination Fee

The Urban Destination Fee of $39 per night is OPTIONAL for those booking inside the ACA room block. It can be added to your room at check-in time or by calling the hotel. This fee includes Premium Guestroom Internet, $15 Food & Beverage Credit for use in hotel restaurants and bars (excluding tax & gratuity), 1-hour bicycle or kayak rental; bike locker rental; transportation to Coronado Island and beach; PressReader; daily bottled water. 

Check-In Time: 4:00 PM
Check-Out Time: 11:00 AM
Subject to change.

Important Travel & Ground Transportation Notes

San Diego International Airport (SAN) is located 4.4 miles (10-15 minutes) from the Hilton San Diego Bayfront. In addition to car rental and taxi, ground transportation options to/from SAN include Lyft and Uber.

From Your Peers on Why They Attend: 

Convention allows the team at Frost Echols, LLC to accomplish a number of things at once. We meet as a firm, learn from our peers, and enjoy time with our clients. We also become reinvigorated about our role in the industry and the industry’s role in our collective credit-based economy. I am never more energized than when I return from convention.
Chad Echols, Partner, Frost Echols LLC

I attend ACA’s Convention year after year to make new connections, learn about the latest trends in collections and the law, explore new technologies and services in the Expo hall, and reconnect with long-time industry friends and colleagues. Oh, yeah, and getting all my legal CLE credits for the year is great too!
John Bedard, Jr., Bedard Law Group

As a dedicated member of our association, I look forward to attending the convention each year. It’s an amazing opportunity to connect with peers, reunite with friends, explore vendor offerings, and gain new knowledge. Additionally, leveraging the conference platform for our benchmark group meeting was transformative, as it provided a centralized space for our group to exchange insights, collaborate, and set collective goals. ACA’s assistance in organizing this meeting showed how important it is to bring together people who share interests, so we can work together, learn from each other, and make progress in our field. I’m excited to continue this tradition of growth and camaraderie at this year’s event! 
– 
Pam Kirchner, CEO, BCA Financial Services

Every year, VoApps looks forward to the convention because it’s an invaluable opportunity for us to connect with industry leaders, gain insights into the latest trends, and showcase our innovative solutions. The convention serves as a platform where we can engage in meaningful dialogues that shape the future of our industry. It’s not just an event for us, it’s a tradition of learning, networking, fellowship and growing together. In regard to this year’s location, I wouldn’t be against having the ACA Convention in San Diego every year.
– Neal Jagoda, Senior Vice President of Sales, VoApps

Here’s what you missed in 2023 in Chicago: 

Attendee Early-Bird Pricing 
(Rates go up by $200 after June 10, 2024)

Individuals
$1,365 Members
$2,400 Non-Exhibiting Affiliate Member
$2,700 Nonmembers

Groups
Send 2 to 3 attendees, pay $1,195 per person.
Send 4 or more attendees, pay $935 per person.
All must be from the same company and register in the same transaction for discounted rates to apply. Group discounts apply only to those with “Company” memberships.

Exhibitor Early-Bird Pricing 
(Rates go up by $200 after June 10, 2024)

One complimentary registration is included in the price of each 10′ x 10′ booth your company purchased.

Additional exhibit staff rates:
$870 Members 
$1,220 Nonmembers 

ACPAC Event: San Diego Bay Cruise
$225 Per Person

Meal Tickets for Non-Industry Guests
$70 for each breakfast
$90 for each lunch
$85 for Welcome Reception
$170 for President’s Closing Celebration

Full registrations include:

  • All convention Main Stage sessions and 28 breakout sessions. Note Legal Education Sessions are for ACA members only.
  • Meals & Receptions:
    • Sunday First Timers Reception, Visionaries Reception, Welcome Reception
    • Monday Breakfast, AM Break, Lunch, PM Break in Expo Hall
    • Tuesday Awards Breakfast, plus AM Break and Lunch in Expo Hall 
    • Tuesday President’s Closing Celebration
      • Included in all full registrations. However, an RSVP and ticket are required for entry. This is to help us provide a count to the hotel so we can order the appropriate number of meals. 
  • Access to Expo 2024

San Diego Bay Cruise, Pre-Convention Workshops and Spouse/Guest Tickets are not included and can be purchased.  Spouse/Guest tickets are for non-industry guests only. 

Tickets are required for: 

  • San Diego Bay Cruise (ACPAC Event)
    • $225 per person
  • President’s Closing Celebration
    • This ticket is included in all full registrations. However, an RSVP and ticket are required for entry. This is to help us provide a count to the hotel so we can order the appropriate number of meals. 
  • Any guests who do not have an official convention name badge are required to purchase meal tickets. Meal tickets are only for non-industry guests. 

Only those with official convention badges will be allowed into ACA functions. Guests entering will need to show meal tickets. 

Legal Education sessions are for ACA members only. Nonmembers will be noted with a different color name badge. 

The following events are free of charge:

Council of Delegates Reception
This is an invitation-only event. Those on ACA’s Board of Directors and Council of Delegates are invited to attend.

Small Agency Jam Session
All individuals who work at collection agencies with 50 or fewer employees are welcome to attend. 

First Timers & New Member Reception
Yes, you may attend! While this reception is created for first time attendees and new ACA members, all attendees are welcome to attend and share their convention experiences. 

Visionaries Reception
Yes, you may attend! This reception is hosted by ACA’s Visionaries committees and supports ACA’s DEI efforts. All are welcome!  

Council of Delegates Reception
This reception is closed to the ACA Council of Delegates, Board of Directors and Board Candidates.   

Registration and Cancellation 

By registering for and/or attending an ACA International (“ACA”) event, you acknowledge that you have read, understand and agree to ACA’s policies listed on this page and included elsewhere on its website and during the registration process, located at www.acainternational.org including, without limitation, ACA’s Terms of Use Agreement, ACA’s Privacy Policy, ACA’s Copyright Policy, ACA’s Logo Use Policy, and ACA’s Antitrust and Anti-Harassment Policies. 

If you decide to cancel after registration, a full refund minus a $75 processing fee will be provided but only for cancellations received by ACA in writing no later than July 1, 2024. No refunds will be granted for cancellations received by ACA on or after July 1, 2024. Registrations may not be transferred to another individual unless approved by ACA. No refunds will be given for no-shows. 

ACA reserves the right to cancel any meeting. 

Photos and Recording Notice

By registering for and/or attending an ACA event, you authorize ACA to use your image and/or voice in any promotional or informational material produced by or on behalf of ACA. This includes, without limitation, video, audio and photographs which may be distributed in ACA Daily, on the ACA website, event recap videos, future event promotions, photo libraries, social media, and email.

Assumption of Risk and Waiver of Liability  

By registering for and/or attending this event and/or attending any functions or sessions listed as on the event agenda, including those listed as “[Interest Group]” events, you acknowledge and agree that ACA International, Inc. (“ACA”) is not responsible for any injury, claim, liability or other cause of action of any kind based upon or resulting from your participation in the event. You assume all risk and accept sole responsibility for any injury (including, but not limited to, personal injury, disability, and death), illness, damage, loss, claim, liability, or expense, of any kind (“Claims”), that you may experience or incur in connection with attending the event. Additionally, you release, covenant not to sue, discharge, and hold harmless ACA and its affiliates, and their officers, directors, managers, employees, agents, shareholders, members, successors, and assigns (collectively, the “Released Parties”), of and from any such Claims, including all liabilities, claims, actions, damages, costs, or expenses of any kind arising out of or relating thereto.

Registrant and/or attendee acknowledges and understands that functions and sessions listed as an ‘[Interest Group]” on the event agenda are not hosted by ACA, but rather are hosted solely by attendees and/or other third parties. Registrant and/or attendee agrees that ACA shall have no liability in connection with any such events.

COVID-19 Policy for In-Person Events

Although COVID-19 remains with us despite the formal end to the national health emergency, we have reached a point in the pandemic where we possess tools and resources to better protect ourselves and our communities from infection and spread. For that reason, ACA expects attendees to take responsibility themselves for following guidance from the Centers for Disease Control (CDC) and other public health agencies on measures to reduce infection from and spread of COVID-19.
ACA cannot be held liable for COVID-19 cases arising because of event attendance. By registering for and/or attending an ACA event, you (a) acknowledge the contagious nature of COVID-19 and voluntarily assume the risk that you may be exposed to or infected by COVID-19 and that such exposure or infection may result in personal injury, illness, permanent disability, and death, (b) voluntarily agree to assume all of the foregoing risks and accept sole responsibility for any Claims that you may experience or incur, and (c) hereby release, covenant not to sue, discharge, and hold harmless ACA and the other Released Parties from Claims of any kind arising out of or relating thereto. 
In addition to all other policies relating to your attendance at an ACA event, you agree to comply with all COVID-19-related safety procedures that may be implemented by ACA or Hilton San Diego Bayfront (“Hotel”), or that may be required by law or recommended by public health agency, in order to protect as much as possible the health and safety of all event attendees.  


Antitrust and Anti-Harassment Policy
 

ACA holds its members to the highest standards of professional conduct. These standards apply equally to all event participants. ACA expects event participants to act responsibly and ethically when interacting with others at events. Please take a moment to review ACA’s Antitrust and Anti-Harassment Policies. If you have questions or concerns about possible non-compliance at an event, please inform a member of ACA’s staff. 

Reservation Information-Sharing 

ACA may provide personal registrant information, including, without limitation, the names, addresses, phone numbers and/or e-mail addresses of attendees and their guests, to Hotel, and ACA may receive personal guest reservation details from Hotel for event-related meeting planning and contract fulfilment purposes. Your registration information will be shared with exhibitors and sponsors of the event as noted when you register. ACA may also contact you regarding your event participation or Hotel stay based on registration and reservation information received. You agree to receive communications from ACA, which may include marketing and promotional emails regarding ACA’s products and services. You can change your preferences at any time. 

ACA’s full privacy policy can be found here.  
Visit the Hotel website for their full privacy policy.  

Twitter, LinkedIn, Facebook & Email Signatures – Sample Posts

Example 1:
Join me at ACA’s Annual Convention on July 21-23 in San Diego! I am looking forward to seeing my fellow colleagues and meeting new people. I can’t wait to be there and I hope you’ll join me! Learn more and register online at https://www.acainternational.org/convention-2024.
#ACAConv24 #acaintl 

Example 2: 
ACA’s Convention is coming up on July 21 – 23 in San Diego, and I look forward to seeing you there! Learn more and register online at https://www.acainternational.org/convention-2024. #ACAConv24 #acaintl

Graphics 

Right click on the images below and save to your desktop, or touch and save on your phone.

     

   

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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