Thank you for visiting NACM’s websites which include:

By accessing one of our websites or by accessing any content published on any of our websites, you are entering into an agreement with NACM and agree to the terms that follow.  If you browse and use our websites, you agree to comply with and be bound by the following terms and condition of use, which together with our privacy policy, govern NACM’s relationship with you. Our terms and conditions will be updated from time-to-time so please check back frequently to see any updates or changes to this Notice.

These websites are owned, operated or the content of these sites is managed by National Association of Credit Management or “NACM”.   The term "NACM" or "us" or "we" or “our” refers to the owner of these websites whose registered office is 8840 Columbia 100 Parkway, Columbia, MD 21045. The term "you" refers to the user or viewer of our website.

Intellectual Property
The content and design of these sites, including any digital application and any material e-mailed to you or otherwise supplied to you in conjunction with these sites is copyrighted by NACM. You may not use or reproduce or allow anyone to use or reproduce any trade marks (such as the NACM name and logo or other trade names appearing on these sites or any digital application) for any reason without written permission from NACM. The content of these websites is for personal, professional, non-commercial use only. You may use digital applications only on devices for which they were intended, for your personal, professional, non-commercial use.

Your Use of Information, Materials and Samples
The content of the pages of this website is for your general information and use only. It is subject to change without notice. While it is NACM’s intent to provide accurate information, neither NACM nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on its websites for any particular purpose. In providing content on our sites, NACM is not rendering legal, management, financial or other professional services. If legal or other expert assistance is required, the services of a competent professional should be sought. By using content from these websites, you acknowledge that such information and content may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It will be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All original content on is created by NACM or published under permission including but not limited to text, design, code, images, photographs and videos are considered to be the Intellectual Property of NACM, whether copyrighted or not, and are protected by Protection Pro Service using the Digital Millennium Copyright Act Title 17 Chapter 512 (c)(3). Reproduction or re-publication of this content is prohibited without permission. All photographs appearing on the websites are the property of NACM. They are protected by U.S. Copyright Laws and may not be downloaded, reproduced or reused in any way without written permission from NACM.

Users of our sites may download/print pages or other content for their personal, noncommercial use on a single computer.

From time to time, our web sites may include links to other websites:  these links are provided for your convenience to provide further information and do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Any information contained on web sites linked FROM our sites is not copyrighted by NACM and may be copyrighted by the owner(s) of such linked web site(s). You may not create a link to this website from another website or document without NACM's prior written consent. This copyright notice also binds visitors linking TO any of our sites from other web sites.

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.  Your use of this website and any dispute arising out of such use of the website is subject to the laws of Maryland.

Registration, Passwords and Responsibilities
You are responsible for keeping your information and passwords up to date and confidential. Certain areas or features of our sites and/or digital applications may only be open to members or subscribers only.

By subscribing to a publication, you will become a customer of NACM and are providing us with your consent to contact you.

You are solely responsible for the confidentiality and use of your user name and/or password. You agree to immediately notify NACM if you become aware of the loss, theft or unauthorized use of your password or user ID.