Terms of Service

01Acceptance & Eligibility

By accessing the Service, you represent that you are at least eighteen (18) years old, have the legal capacity to enter into a contract, and are not barred from using the Service under the laws of the United States or any applicable jurisdiction. If you are using the Service on behalf of an entity, you represent that you are authorized to bind that entity to these Terms, and “you” refers to that entity.

02The Service

BCBCP provides an online professional certification program focused on business credit. The Service includes access to training materials, a certification examination, a member portal, digital credentials, and related resources.

The Service is an educational and professional certification product. It is not legal advice, financial advice, credit-repair services, or a substitute for qualified professional counsel. Completing the program does not guarantee employment, income, business results, or any specific outcome.

03Accounts & Security

To use most features of the Service, you must register an account. You agree to provide accurate, current, and complete information, and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@bcbcp.org of any unauthorized access.

Accounts are personal and non-transferable. Sharing login credentials, reselling access, or using a single account for multiple individuals is a material breach of these Terms.

04Fees, Billing & Auto-Renewal

4.1 Enrollment Fee.

Pricing. Enrollment fees and renewal fees vary by tier and promotions. See the current pricing on the public enrollment pages. (Do not rely on this document for current amounts.)

4.2 Annual Renewal.

Renewals. Renewal terms, renewal amount, and billing cadence are described in the renewal flow and in your account settings. [<>]

4.3 Payment Processing.

Payments are processed by Stripe, Inc. By submitting payment information, you agree to Stripe’s terms and authorize us to share the information necessary to complete the transaction. We do not store full card numbers on our servers.

4.4 Taxes.

Prices do not include taxes unless explicitly stated. You are responsible for any applicable sales, use, VAT, or other taxes.

4.5 Price Changes.

We may change our fees at any time. Changes to recurring fees will apply to your next renewal period and will be communicated to you with reasonable advance notice via email.

4.6 Failed Payments.

If a renewal payment fails, we may retry the charge, suspend or revoke your certification, and restrict portal access until payment is received.

05Refund Policy

Enrollment fees are refundable within [14] days of the original purchase, provided that you have not accessed more than [20]% of the course content and have not attempted the certification exam. Refund requests must be submitted to support@bcbcp.org.

Annual renewal fees are non-refundable once charged, except where required by law. If your certification is revoked for a violation of these Terms, no refund will be issued, and portal access may be terminated immediately.

06Certification & Exam

Exam & certification. [<>]

We may, in our sole discretion, invalidate an exam attempt or revoke a credential if we detect cheating, impersonation, content sharing, or other conduct that undermines the integrity of the program.

07Use & Revocation of the Credential

Credential usage. [<>]

We may suspend or revoke your certification, and require you to cease using the credential, if you: (a) fail to pay renewal fees; (b) breach these Terms; (c) engage in conduct that damages the reputation of the program; (d) violate any law in connection with credit-related services; or (e) misrepresent the scope or meaning of the certification.

08Intellectual Property

All course materials, videos, slides, workbooks, exam questions, logos, trademarks, software, and other content provided through the Service are owned by the Company or its licensors and are protected by copyright, trademark, and other laws. Except for the limited license granted in Section 7, no rights are granted to you by implication, estoppel, or otherwise.

You may not copy, reproduce, distribute, sell, sublicense, publicly display, create derivative works from, or publish any Service content without our prior written consent. Unauthorized use of exam content is a material breach and may result in immediate revocation and legal action.

09Acceptable Use

You agree not to:

• Use the Service to violate any law, regulation, or third-party right;
• Attempt to gain unauthorized access to any part of the Service or its underlying systems;
• Interfere with, disrupt, or probe the Service (including via scraping, bots, or denial-of-service attacks);
• Reverse engineer, decompile, or extract source code from the Service;
• Share account credentials, exam content, or course materials with any third party;
• Misrepresent your identity, credentials, or affiliation;
• Upload malware, harmful code, or content that is unlawful, defamatory, harassing, or infringing;
• Use the Service to provide services that violate the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the FTC Act, the Telemarketing Sales Rule, or any other applicable law.

10User Content

You may submit content through the Service, including exam responses, forum posts, feedback, and profile information (“User Content”). You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to use, store, display, and reproduce it for the purposes of operating and improving the Service.

You represent that your User Content does not infringe any third-party right and complies with these Terms.

11Third-Party Services

The Service relies on third-party providers, including Stripe (payments), ShipStation (fulfillment), ClassMarker (exam delivery), and email delivery services. Your use of those services is subject to their own terms and privacy policies. We are not responsible for the acts or omissions of any third party.

12Disclaimers

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted availability.

We do not warrant that the Service will be error-free, that defects will be corrected, or that the Service or its servers are free of viruses or other harmful components. We do not warrant any specific educational, professional, or financial outcome from your use of the Service.

Nothing in the Service constitutes legal, financial, tax, or credit-repair advice. You are responsible for complying with all laws applicable to your own professional activities.

13Limitation of Liability

To the fullest extent permitted by law, the Company and its officers, directors, employees, affiliates, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Service, even if advised of the possibility of such damages.

Our total aggregate liability for any claim arising out of or related to these Terms or the Service will not exceed the greater of (a) the amount you paid us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, the above limitations apply to the maximum extent permitted by law.

14Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, affiliates, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any law or third-party right; or (e) your professional services provided to any third party.

15Termination

You may terminate your account at any time by canceling through your dashboard or emailing support@bcbcp.org. We may suspend or terminate your access at any time, with or without notice, for any reason, including breach of these Terms or non-payment. Sections that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law) will survive.

16DMCA & Copyright

We respect intellectual property rights. If you believe that content on the Service infringes your copyright, send a written notice to support@bcbcp.org including: (i) a description of the copyrighted work; (ii) the location of the allegedly infringing material on the Service; (iii) your contact information; (iv) a statement of good-faith belief that the use is not authorized; (v) a statement under penalty of perjury that the information is accurate and you are authorized to act; and (vi) your physical or electronic signature.

17Governing Law & Arbitration

These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law principles.

Binding Arbitration. Any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in [COUNTY, STATE]. Judgment on the award may be entered in any court of competent jurisdiction.

Class-Action Waiver. You and the Company agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

Notwithstanding the foregoing, either party may seek injunctive relief in a court of competent jurisdiction to protect its intellectual property.

18Changes to These Terms

We may update these Terms from time to time. Material changes will be notified to you by email or through the Service at least fourteen (14) days before they take effect. Your continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

19Miscellaneous

Entire Agreement. These Terms, together with the Privacy Policy and any documents they incorporate, are the entire agreement between you and the Company regarding the Service.

Severability. If any provision is held unenforceable, the remaining provisions will remain in full force and effect.

No Waiver. Our failure to enforce any right or provision is not a waiver of that right or provision.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms freely.

Force Majeure. We are not liable for any failure or delay caused by circumstances beyond our reasonable control.

20Contact

[COMPANY LEGAL NAME, LLC]
[STREET ADDRESS, CITY, STATE ZIP]
Email: support@bcbcp.org