Terms of Use
Welcome to the Southeastern Association of Credit Management website, owned by SACM. This site is operated by SACM and materials on the site are owned, for the most part, by SACM. The site may also include materials owned by third parties and posted on the site by virtue of a license, grant or some other form of agreement between the third party and SACM. SACM has created this site for your business access to credit industry information. However, you are only authorized to access this site or to use the materials contained in the site (regardless of whether your access or use is intended) if you agree to abide by all applicable laws, and to these terms of use which constitute an agreement between you and SACM. Please read these terms of use carefully and save them. If you do not agree with them, you should leave this site immediately. Any questions or comments regarding, or problems with, this site should be sent to the site administrator. SACM reserves the right to modify or amend this Agreement without notice at any time. It is therefore important that you read this page regularly to ensure you are updated as to any changes. If you become aware of misuse of this site by any person, please contact the site administrator with your concerns. Access and Use All materials contained in this site are protected by international trademark and copyright laws. This means that you may only view or download material from this site for your own use and you must keep all copyright and other proprietary notices attached to the downloaded material. The reproduction, duplication, distribution (including by way of email, facsimile or other electronic means), publication, modification, copying or transmission of material from this site is STRICTLY PROHIBITED unless you have obtained the prior written consent of SACM, Inc. or unless it is expressly permitted by this site. The material covered by this prohibition includes, without limitation, any text, graphics, logos, photographs, audio or video material or stills from audiovisual material available on this site. The use of materials from this site on any other web site or networked computer environment is similarly prohibited. Requests for permission to reproduce or distribute materials found on this site can be made by contacting SACM.
Linked Sites and Advertising
If you are interested in creating hypertext links to this site, you must contact SACM before doing so. If SACM has provided links or pointers to other web sites, no inference or assumption should be made and no representation should be implied that SACM is connected with, operates or controls these web sites. SACM is not responsible for the content or practices of third party web sites that may be linked to this site. This site may also be linked to other web sites operated by companies affiliated or connected with SACM. When visiting other web sites, however, you should refer to each such web site’s individual "Terms of Use" and not rely on this agreement. SACM takes no responsibility for third party advertisements which are posted on this site, nor does it take any responsibility for the goods or services provided by its advertisers.
Disclaimer of Liability and Warranties
While SACM does its best to ensure the optimal performance of the site, you agree that you use this site and rely on material contained in this site at your own risk. The site, and all materials in this site, are provided "as is" and, to the fullest extent permitted by law, are provided without warranties of any kind either express or implied. This means, without limitation, that SACM DOES NOT WARRANT that the site is fit for any particular purpose; that the functions contained in the materials in the site will be uninterrupted; that defects will be corrected; that the site is free of viruses and other harmful components or that the site is accurate, error free or reliable. You acknowledge that SACM, its parents and affiliates together with their respective employees, agents, directors, officers and shareholders, IS NOT LIABLE for any delays, inaccuracies, failures, errors, omissions, interruptions, deletions, defects, viruses, communication line failures or for the theft, destruction, damage or unauthorized access to your computer system or network. You acknowledge that SACM, Inc. is not liable for any defamatory, offensive or illegal conduct or material found in connection with this site, including such conduct or material transmitted by any means by any other person. You acknowledge that SACM, Inc. is not liable for any damages, including, without limitation, direct, incidental, special, and consequential or punitive damages, in connection with or arising from your use or from your inability to use the site.
Indemnity
You agree to defend, indemnify and hold harmless SACM against all the liabilities, claims, damages and expenses (including reasonable attorney’s fees and costs) arising out of your use of this site; your failure to use the site; your breach or alleged breach of this agreement or your breach or alleged breach of the copyright, trademark, proprietary or other rights of third parties.
Termination
SACM reserves the right to immediately terminate your use of, or access to, this site at any time if SACM decides at its sole discretion that you have breached this agreement or any relevant law, rule or regulation or you have engaged in conduct that SACM considers to be inappropriate or unacceptable.
Copyright Infringement
If you believe that any material contained in this site infringes your copyright, you should notify SACM of your copyright infringement claim in accordance with the following procedure. SACM will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act ("DMCA") and other applicable intellectual property laws. To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c) (3)): 1. Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; 2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; 3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; 4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted; 5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; 6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Other
This agreement operates to the fullest extent permissible by law. If any provision of this agreement is unlawful, void or unenforceable, that provision is deemed severable from this agreement and does not affect the validity and enforceability of any remaining provisions.

Privacy Statement
Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used at SACM.
The Information We Collect
At SACM, personally identifiable information that may be collected includes: name, address, e-mail address, telephone number, fax number, credit card information, and information about your interests in and use of various products, programs, and services. We also may collect certain non-personally identifiable information when you visit our web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows '98 or Mac OS) and the domain name of your Internet service.
How We Use the Information
We may use the information you provide about yourself and your company to fulfill your requests for our products, programs, and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you. The information we collect in connection with our online forums and communities is used to provide an interactive experience. We use this information to facilitate participation in these online forums and communities and, from time to time, to offer you products, programs, or services. We will disclose information we maintain when required by law, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request. Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Notice. Inadvertent disclosures may result, for example, when third parties misrepresent their identities in asking the site for access to personally identifiable information about themselves for purposes of correcting possible factual errors in the data. SACM will not use or transfer personally identifiable information provided to us in ways unrelated to the ones described above without also providing you with an opportunity to opt out of these unrelated uses
Collection of Information by Third-Party Sites and Sponsors
Some of our pages contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices as we have no control over information that is submitted to, or collected by, these third parties.
Cookies
To enhance your experience with our site, some of our web pages use "cookies." Cookies are text files we place in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at one of our sites. However, once you choose to furnish the site with personally identifiable information, this information may be linked to the data stored in the cookie. We use cookies to understand site usage and to improve the content and offerings on our site. For example, we may use cookies to personalize your experience at our web pages (e.g. to recognize you by name when you return to our site), save your password in password-protected areas, and enable you to use shopping carts on our sites. We also may use cookies to offer you products, programs, or services.
Our Commitment to Security
SACM has put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.
How You can Access or Correct Information
For instructions on how you can access the personally identifiable information that SACM has collected about you online, or how to correct factual errors in such information, please contact us. To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.

System Disclaimer
SACM hereby disclaims any liability or warranty as to the information furnished to the user of this program and information, and in particular, there are no implied or express warranties or merchantability or fitness for a particular purpose. The user of this information accepts full and sole liability and responsibility for any loses, claims or damages occasioned by the utilization of this program and the information contained herein, including any errors in said program.