Privacy Policy
Effective Date: January 1, 2025
Credit Business Association (CBA)
Website: www.cbasite.org
Introduction
The Credit Business Association (“CBA,” “we,” “our,” or “us”) respects the privacy of our members, partners, and visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, register for membership, enroll in programs, or otherwise engage with CBA.
By accessing our website or providing your information, you consent to this Privacy Policy and the practices described herein.
- Information We Collect
We collect information to provide our members and users with professional services, training, certification, and access to association resources.
- Information YouProvide toUs
- Personal Information: Your name, email address, phone number, billing address, and professional title.
- Account Information: Login credentials, membership details, certifications, and renewal history.
- Payment Information: Collected through secure third-party processors for membership dues, certifications, or event fees (CBA does not store full credit card data).
- Communication Data: Inquiries, survey responses, or messages sent through contact forms or email.
- Professional Information: Company name, business website, and industry specialization when applying for membership or certification.
- Automatically Collected Information
When you visit our site, we may collect:
- IP address, browser type, and operating system.
- Pages visited and time spent on the site.
- Cookies and analytics data (used to improve site performance and member experience).
- How We Use Your Information
CBA uses collected information to:
- Process membership applications, renewals, and certifications.
- Provide educational content, webinars, and training opportunities.
- Communicate updates, newsletters, and announcements relevant to members.
- Improve user experience and site functionality.
- Enforce compliance with CBA’s Code of Ethics and membership terms.
- Maintain accurate membership records and directories.
- Protect against fraudulent or unauthorized activities.
We may also use anonymized, aggregated data for statistical or research purposes to improve our programs and services.
- Information Sharing and Disclosure
CBA does not sell or rent personal information to third parties.
We may share information in limited circumstances:
- With Service Providers: Third-party vendors that assist with website hosting, payment processing, marketing automation, and email delivery, under confidentiality agreements.
- With Partner Organizations: When necessary for joint programs or cross-certification initiatives (e.g., Credit Consultants Association partnerships).
- For Legal Compliance: When required by law, regulation, subpoena, or court order.
- With Your Consent: If you authorize us to share your information for collaboration or public recognition (e.g., certification directory listings).
- With Background-Check Providers: To maintain the integrity and trustworthiness of our membership base, CBA partners with reputable third-party background-check services to verify the credentials and professional history of applicants and members. These providers receive only the information necessary to complete the verification process, such as name, date of birth, and professional identifiers. All background-check partners are bound by strict confidentiality and data-protection agreements, and the collected data is used solely for vetting and compliance purposes. CBA does not store or share the detailed background-check report once verification is complete.
- Cookies and Tracking Technologies
CBA uses cookies and similar technologies to:
- Personalize user experience.
- Track engagement and improve site performance.
- Support secure login sessions.
You may disable cookies through your browser settings, but certain features may not function properly.
- Data Security
We maintain industry-standard administrative, technical, and physical safeguards to protect your personal data against unauthorized access, disclosure, alteration, or destruction.
However, no electronic storage or transmission method is completely secure. While we strive to protect your information, CBA cannot guarantee absolute security.
- Data Retention
CBA retains member and certification data as long as necessary to:
- Fulfill the purposes outlined in this policy.
- Comply with legal obligations and recordkeeping requirements.
- Resolve disputes and enforce agreements.
Inactive or expired accounts are archived and securely deleted within a reasonable timeframe.
- Your Rights
Depending on your location, you may have the right to:
- Access, correct, or delete your personal data.
- Withdraw consent for certain data uses.
- Request that your information not be shared with third parties.
- File a complaint with a data protection authority if you believe your privacy rights were violated.
Requests can be made via our Contact Us form or by emailing privacy@cbasite.org.
- Third-Party Links
Our website may contain links to third-party websites. CBA is not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any information.
- Children’s Privacy
CBA services and programs are intended for professionals aged 18 and older. We do not knowingly collect personal data from individuals under 18. If we become aware that we have inadvertently collected such information, we will promptly delete it.
- Changes to This Policy
CBA reserves the right to modify this Privacy Policy at any time. Updates will be posted on our website with a revised effective date.
Continued use of our services after changes are posted constitutes acceptance of the revised policy.
- Jurisdiction
This Policy and your use of our website are governed by the laws of the State of Tennessee, United States of America. Any disputes will be subject to the exclusive jurisdiction of the courts located in Shelby County, Tennessee.
- Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact:
Credit Business Association (CBA)
Attn: Privacy Officer
Email: privacy@cbasite.org
Website: www.cbasite.org
Shelby County, Tennessee, USA
