Credit Business Association (CBA) Terms and Conditions 

Effective Date: January 1, 2025 
Issued by: Credit Business Association (CBA) 
Website: www.cbasite.org 

 

INTRODUCTION 

Welcome to the Credit Business Association (CBA) — a professional trade organization ministry dedicated to advancing professionalism, ethics, and education within the credit business services industry. 

As a prospective or active member, your acceptance of these Terms and Conditions signifies your commitment to uphold the highest ethical and professional standards as established by the CBA Code of Ethics. 

By agreeing to these terms, you enter into a binding agreement with the Credit Business Association to maintain integrity, comply with applicable laws, and respect the nonprofit purpose of this organization. 

 

MEMBER ETHICAL COMMITMENTS 

As a CBA member, you agree to the following professional and ethical obligations: 

1. Adherence to the CBA Code of Ethics: 
   I will fully comply with the Credit Business Association’s Code of Ethics as published on cbasite.org. 

1. Public Welfare and Accountability: 
   I pledge to conduct my professional activities in a manner that promotes public confidence and promptly address any errors or harm caused by my actions. 

1. Prohibition of Unethical Credit Practices: 
   I will not engage in, condone, or promote unethical credit activities such as credit jamming, credit sweeps, or any practice that involves falsification or deception. 

1. Transparency and Documentation: 
   I will maintain clear, open communication with clients or consumers, and ensure they receive copies of all relevant correspondence, disclosures, and agreements. 

1. Honesty and Accuracy in Representation: 
   I will not make false or misleading statements about my credentials, services, or results, and I will present information truthfully in all public and private communications. 

1. Client Consent and Authorization: 
   I will not initiate any disputes, corrections, or credit-related actions without the informed, written consent of the client or individual concerned. 

1. Compliance with Law and Regulation: 
   I will comply with all applicable federal and state laws governing credit and business conduct, including the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and the Federal Trade Commission’s Telemarketing Sales Rule (TSR) §310.3 regarding deceptive practices. 

1. Professional Representation: 
   When representing myself as a CBA member, whether online or in person, I will maintain professionalism in both conduct and presentation, including appropriate attire, imagery, and communication tone. 

1. Consequences of Violation: 
   I acknowledge that any violation of these terms may result in suspension or termination of membership, loss of certification, public notice of forfeiture, and revocation of all CBA logos and designations. 

 

TERMS OF SERVICE, AGREEMENTS, AND USE 

1. Non-Profit Purpose

CBA operates as a non-profit professional association. Membership dues and program fees support administrative operations, educational development, third-party services (including background checks), and ethical oversight. 

CBA is not a sales organization, and membership payments are not considered product purchases. 

 

2. Duration and Modification of Agreement

This Agreement remains in effect until terminated either by the Credit Business Association (CBA) or by you, the Member. 

CBA reserves the right to amend these Terms and Conditions at any time. Notification of changes may occur via: 

• Email communication, 

• Updates posted to the CBA website, or 

• Digital acknowledgment (e.g., a required click-to-agree prompt during login). 

If you continue to access your member account more than seven (7) days after such notification, you are deemed to have accepted the revised terms. 
If you do not agree with the updates, your sole remedy is to terminate your membership. 

 

REFUND POLICY 

CBA recognizes that individual circumstances vary. As a nonprofit organization, we seek to balance fairness to members with the fiscal responsibilities required to maintain third-party obligations and administrative costs. 

1. General Refund Policy

All membership and certification payments are non-refundable except under the limited conditions outlined below. 

2. Background Check Fees

Because background checks are performed through an independent third-party provider and paid for at the time of processing, no refunds are available once a background check has been initiated, regardless of membership approval outcome. 

3. Training Program Refunds

Refunds for educational or training programs may be considered only if the member has not accessed, started, or downloaded any materials within five (5) calendar days of purchase or activation. 

Requests must be submitted in writing to support@cbasite.org within that period. If approved, refunds will be processed less a $50 administrative fee to cover payment processing and administrative costs. 

4. Third-Party and Administrative Costs

CBA pays third-party verification and licensing fees on behalf of each member within 36 hours of membership activation. Because of this, refunds are not typically feasible beyond the limited window stated above. 

5. Special Offers and Promotions

Refunds are not available for discounted programs, promotional bundles, or sponsored membership drives. 

6. Processing Time

Approved refunds will be processed within 10 business days after verification of eligibility and deduction of applicable administrative fees. 

 

JURISDICTION 

The use of this site and interpretation of these terms shall be governed by and construed in accordance with the laws of the State of Tennessee, USA. 
All disputes or proceedings shall be brought exclusively in the courts located in Shelby County, Tennessee. 

 

COPYRIGHTS AND TRADEMARKS 

All materials, designs, text, graphics, and content on this site are the exclusive property of the Credit Business Association (CBA) unless otherwise noted. 
These materials are protected under U.S. copyright, trademark, and intellectual property laws. 

Unauthorized copying, modification, or misappropriation of any CBA content, logos, or materials is strictly prohibited. 

 

COPYRIGHT NOTICE 

© 2016–2025 Credit Business Association (CBA). All Rights Reserved.