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Terms and Conditions

It is important that you (“You”) read, understand and accept the Terms and Conditions for using this site (www.aadmo.org). When this site is accessed, used, or viewed, you agree to the terms and conditions that follow. If you do not agree to these terms and conditions, you should immediately cease all actions pertaining to this site.

The American Association for Debt Management Organizations (“AADMO”) monitors all member access to the AADMO member section for abuse. The AADMO member section within this site is proprietary to AADMO and may be accessed by members only. Unlawful distribution of member usernames and/or passwords to individuals or organizations who are not specifically approved by AADMO will cause AADMO to terminate the member(s) access to the AADMO member section and take any legal action.

AADMO Web Site Content
All materials in this site are intended to keep our members updated about the credit and debt industry as well as provide consumers with information about credit counseling and debt management programs.

No Warranty
AADMO makes no warranties of any kind, either expressed or implied as to any matter including, but not limited to, warranty of fitness for a particular purpose or merchantability, exclusivity or results obtained from use of the material

Information You Submit
If you communicate with us via email or otherwise provide information to us through this site, all information you provide to us is on a non-confidential or non-proprietary basis, without restrictions of any kind whatsoever, and all information may be disclosed, distributed, modified, reproduced and used by us in any manner we choose, without paying compensation to you.

This site may include links to other sites, which are provided as a convenience to you and as an additional access to the information contained therein. We are not responsible for the content of any other sites or any products or services that may be offered through other sites.

When hyperlinking to the AADMO website, you must do so in a manner that does not imply any affiliation with or endorsement by AADMO for your organization or website. You may use the following statement to characterize our site:

AADMO is an industry education and advocacy organization whose mission is to promote and ensure the continued operation and viability of credit counseling and debt management organizations.

Accuracy, Completeness and Timeliness of Information on the Site
We are not responsible if information that we make available on this site is not accurate, complete or current. The materials on this site are provided for general information only, and any reliance upon the material found on this site will be at your own risk. We reserve the right to modify the contents of the site at any time, but we have no obligation to update any information on this site. You agree that it is your responsibility to monitor changes to the site.

Your Liability
If you cause a technical disruption of the site or the systems transmitting the site to you or others, you agree to be responsible for any and all civil and or criminal penalties, including but not limited to attorneys fees, actual and consequential damages arising from the disruption of the sites, all efforts taken to correct and restore the site, and to defend the rights of AADMO.

The laws of the Commonwealth of Virginia govern the terms, conditions and use of this site, and all users irrevocably consent to the exclusive jurisdiction of the Commonwealth of Virginia for any action to enforce these terms, conditions, and use of this site. Unauthorized access is a violation of the laws of the United States and the Commonwealth of Virginia and may result in civil or criminal penalties.

If any materials on this site or use of this site are contrary to the law of the place where accessed and viewed, the site is not intended for access and view and shall not be used or viewed. Therefore, viewers are responsible for informing themselves of the laws of their specific jurisdiction and complying with them.

Changes to These Terms
AADMO reserves the right, at its complete discretion, to change the terms, conditions and use at any time by posting revised terms, conditions and use restrictions on the site. It is the viewer’s responsibility to check periodically for any changes AADMO may make to these terms, conditions and use restrictions. Continued use of this site following the posting of changes to these terms, conditions and use restrictions means you accept the changes.

Copyrights and Trademarks
All materials in this website are the sole and exclusive property of AADMO unless otherwise noted. The materials provided by The DebtGuard Management System® (DMS), are protected by U.S. copyright, trademark and other laws, and you acknowledge that these rights are valid and enforceable. Misuse, misdirection or misappropriation of any material, image, text, content or trademark contained within the AADMO website is prohibited, and AADMO and/or DMS will aggressively enforce its intellectual property rights in such Trademarks and Material, including via civil and criminal proceedings.

Entire Agreement
These Terms and Conditions constitute the complete agreement.