Welcome to Creditor Academy! These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to comply with these terms.

• You must be at least 18 years old to use our services.
• If you are under 18, you must have parental or guardian consent to use the services.

• Create an account with accurate and complete information.
• You are responsible for maintaining the confidentiality of your login credentials.
• We may suspend or terminate accounts for suspected fraud, unauthorized use, or other violations of these terms.

• Services are offered via membership plans.
• Payments are processed securely by third-party payment processors.
• All fees are non-refundable unless otherwise stated in writing.
• Pricing may change for future billing periods; your current plan will remain active until its renewal date.

• Do not share your login details with others.
• No illegal or unlawful activities using our platform.
• Unauthorized copying, redistribution, or reselling of our content is prohibited.
• No fraudulent transactions or infringement of intellectual property rights.

All course content, text, videos, logos, and other materials are owned by Creditor Academy. Reproduction, distribution, or derivative use without express written permission is prohibited.

We may update, modify, suspend, or discontinue services at any time. We are not liable for disruptions caused by third parties, internet outages, or other external factors.

To the fullest extent permitted by law, Creditor Academy is not responsible for any direct, indirect, incidental, special, or consequential damages arising from your use of the services.

• We may suspend or terminate accounts for violations of these terms.
• You may cancel your membership at any time; cancellations do not entitle you to a refund unless stated otherwise.

Since the Association is protected by the First, Fourth, Fifth, Ninth, and Tenth Amendments of the U.S. Constitution, it is outside the jurisdiction of federal and state authorities regarding complaints or grievances against its members.

These terms are governed by the laws of The United States of America. Any disputes will be resolved via binding arbitration in The United States of America.

We may update these terms from time to time. The latest version posted on our website is the version that applies to your use of our services.

Creditor Academy
Email: Counselor@creditoracademy.com