Acceptance of Terms

By accessing or using the NCCB website, services, resources, and communications, you agree to be bound by these Terms of Use.

If you do not agree with these terms, please discontinue use of the website and services.

Educational Purpose

Information provided by NCCB is intended for educational and informational purposes only. Nothing on this website constitutes legal, tax, accounting, investment, or financial advice. Users should consult qualified professionals regarding their specific circumstances.

No Guarantee of Results

NCCB works to help consumers improve their financial situations through counseling, education, debt management assistance, and related services.

However, NCCB does not guarantee:

• Debt reduction outcomes
• Creditor participation
• Credit score improvements
• Loan approvals
• Specific financial results

Individual outcomes vary based on numerous factors.

User Responsibilities

Users agree to:

• Provide accurate information
• Maintain the confidentiality of account credentials
• Use the website lawfully
• Update information when necessary
• Cooperate honestly during counseling and financial assessments

Prohibited Activities

Users must not:

• Violate applicable laws
• Attempt unauthorized access to systems
• Introduce malicious software
• Interfere with website functionality
• Use the website for fraudulent purposes
• Misrepresent their identity

Intellectual Property

All website content, including text, graphics, logos, trademarks, images, videos, and educational materials, are the property of NCCB or its licensors and are protected by applicable intellectual property laws.

Unauthorized reproduction, distribution, or modification is prohibited.

Third-Party Services

NCCB may provide access to third-party websites, software platforms, educational resources, or credit-monitoring services.

NCCB is not responsible for the content, privacy practices, availability, or performance of third-party services.

Users should review the terms and policies of those providers independently.

Disclaimer of Warranties

The website and services are provided on an "as is" and "as available" basis.

NCCB makes no warranties regarding:

• Accuracy
• Completeness
• Reliability
• Availability
• Fitness for a particular purpose

Limitation of Liability

To the fullest extent permitted by law, NCCB shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of the website or services.

Indemnification

Users agree to indemnify and hold harmless NCCB, its officers, directors, employees, contractors, and affiliates from claims resulting from violations of these Terms of Use.

Governing Law

These Terms of Use shall be governed by the laws of the State of Texas and applicable federal laws of the United States.

Modifications

NCCB reserves the right to update these Terms of Use at any time. Continued use of the website following any modifications constitutes acceptance of the revised terms.

Contact Information

National Credit Counseling Bureau (NCCB)

E-mail: legal@nccbcredit.com

Phone: 1-800-XXX-XXXX