An advocacy and education project from the members of ACA International, The Association of Credit and Collection Professionals.

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Privacy Policy

ACA International (“ACA”) understands that your privacy is important and it established this “Privacy Policy” for any person using the website (referred to as “you” or “User”) located at (“Website”), so you can understand how we will handle your information. By using this Website, you agree to be bound by the terms of this Privacy Policy. ACA may from time to time amend this Privacy Policy which will be accessible on the Website. You agree to any amendments made to this Privacy Policy by your continued use of the Website after such amendment has been made.

The Website is a public website that persons can access without identifying themselves or giving a password, and ACA does not collect personal information.

User Information

ACA recognizes certain information becomes available and quantifiable when you use the internet and access various URLs, such as device-specific information, mobile network information, location information; general information about your technology interface or preferences; information about the types of hardware used by users; information about the websites you visit; your internet protocol (“IP”) address to measure website traffic and to help provide more personalized services; information regarding your browser and other technical specifications required to use the Website; “Cookies,” which include small text files created by internet websites that are stored in your computer either temporarily for that session only or permanently on the hard disk, log files, web beacons or other identifiers created when you use the internet; and other website use information collected on an aggregate basis resulting from your use, and that is specifically limited to the information gathered on the Website (“User Information”).

ACA treats User Information as non-personal because it does not contain personally identifiable information, such as name, address, phone number and email address, unless otherwise distinguished by local and/or federal law.

Third-Party Applications

Our Website may contain links to other websites, icons to various forms of social media, or other third-party widgets; any interaction you have with such third-party applications is governed by the third-party host. ACA has no affiliation with or control over the information shared on such third-party applications, including, but not limited to, their use of Cookies.


The Website collects certain User Information automatically and stores it in log files. Our Website does not restrict the use of Cookies. You may have choices with regards to the management of Cookies and web beacons on your computer. The “help” portion on most browsers will tell you how to prevent your browser from accepting new cookies or how to disable cookies altogether. All major browsers allow you to block or delete Cookies from your system. You may choose to block or restrict Cookie use. However, Cookies allow you to take full advantage of some of the Website’s features. If you have any difficulty using the Website, please contact ACA through the contact information contained below. To learn more about your ability to manage Cookies and web beacons, please consult the privacy features in your browser. ACA, whether individually or through third-party analytic providers, uses Cookies obtained from User Information. As a result, our Website functionality may be impacted in response to do-not-track (“DNT”) signals.

Questions: If you have any comments or questions about this Privacy Policy, please contact

Updated: October 5, 2021

This site uses cookies. By continuing to use our site, you are agreeing to our use of cookies. Review our Privacy Policy for more information. You may change your preferences on how cookies are stored by reviewing the settings on your browser.

The content on this site is presented for educational, general reference, and informational purposes only; is not intended to serve as legal or other advice; is not intended to be a full and exhaustive explanation of the law in any area; and should not replace the advice of your own legal counsel. By continuing to use our site, you are agreeing to the legal disclaimers in our Terms of Use. Review our Terms of Use for more information.