Member Terms & Conditions

These are the terms and conditions for the use of information and data provided by CCA (as defined in the Website Terms and Conditions) for registered users of the CCA Services Website (the “Terms and Conditions”). The following Terms and Conditions govern Your access to and use of the Services. The “Services” are defined herein as those credit and debt reporting, accounts receivable reporting, and credit insights services, data, products, documentation, application, tools, APIs, and services provided via the CCA Website (as defined in the Website Terms and Conditions) to registered customers.

Updated: October 17, 2024

Notice: The prior version of this Agreement was dated August 14, 2024.

A. Agreement to be Bound. Please read the following information carefully before registering for our services or . By registering to use or otherwise using the Services, or by clicking to agree to these Terms and Conditions when that option is made available, You certify that You are the authorized representative of an entity and its affiliated companies, including parent and subsidiary entities (“Customer”) and agree to bind that entity to these Terms and Conditions. If You do not agree to these Terms and Conditions, please do not access or use the Services. These Member Terms and Conditions are to be read together with the Website Terms and Conditions and, to the extent of any disagreement, shall control.

B. Restrictions on Use. In consideration for Customer’s right to access and otherwise use the Services, Customer agrees that the Services:

1) will be used solely (i) to review Customer’s own business credit report, (ii) in connection with a present or prospective credit or financial transaction with another business entity inquired upon, or (iii) for other legitimate commercial purposes, and will be used for internal uses only and will not be resold, shared with other entities, or used for testing to create competitive, commercial products or services to those of CCA or its affiliates and technology partners;

2) will not be used as a factor in establishing an individual’s eligibility for personal credit or insurance or used for personal, family or household purposes, or employment purposes;

3) will not be shared or disclosed to a third party, including but not limited to contractors, vendors, customers, distributors, or any other outside entities;

4) Customer’s login credentials will not be shared without consent from CCA ; and

5) will be used in compliance with all applicable laws, regulations, export restrictions, ordinances, and additional use restrictions set forth in these Member Terms and Conditions or hereafter adopted by CCA and notice provided to You.

6) Customer further acknowledges that the data contained in Services it receives from CCA under this Agreement include non-public information about businesses and, as such, Customer agrees that it will maintain the information in strict confidence and will not disclose such information other than to its employees who have a need to know, or pursuant to legal requirements.

C. Warranty Disclaimer and Limitation of Liability. Customer acknowledges and agrees that the Services are subject to the following:

1) THE SERVICES ARE NOT GUARANTEED, ARE PROVIDED ‘AS IS,’ AND THAT NEITHER CCA NOR ITS SOURCES WILL BE LIABLE TO CUSTOMER FOR ANY LOSS OR DAMAGE BASED ON ANY ERRORS OR OMISSIONS THEREFROM. The information, products and services available on this Website may include technical inaccuracies or typographical errors; and

2) are subject to the following exclusion of warranty. NEITHER CCA NOR ITS SOURCES GUARANTEE OR WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, MERCHANTABILITY, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OF THE SERVICES OR DATA AND SHALL NOT BE LIABLE TO CUSTOMER FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY CCA’S OR ITS SOURCES’ ACTS OR OMISSIONS, WHETHER NEGLIGENT OR OTHERWISE, IN PROCURING, COMPILING, COLLECTING, INTERPRETING, REPORTING, COMMUNICATING OR DELIVERING THE DATA OR SERVICES.

NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY CCA, ITS OTHER CUSTOMERS, OR ITS OR THEIR VENDORS, AGENTS, EMPLOYEES OR THIRD PARTIES SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF ANY WARRANTY PROVIDED HEREIN. SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT SHALL CCA, ITS OTHER CUSTOMER, OR THEIR SOURCES BE LIABLE TO THE OTHER OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES TO BUSINESS REPUTATION, LOST BUSINESS OR LOST PROFITS), WHETHER FORESEEABLE OR NOT, AND HOWEVER CAUSED, EVEN IF CCA, ITS OTHER CUSTOMERS, OR ITS OR THEIR SOURCES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS. FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW.

IF, NOTWITHSTANDING THE PRIOR PARAGRAPH, LIABILITY CAN BE IMPOSED ON CCA, ANOTHER CUSTOMER, OR ITS OR THEIR SOURCES, THEN CUSTOMER AND CCA AGREE THAT THE AGGREGATE LIABILITY FOR ANY OR ALL LOSSES OR INJURIES TO CUSTOMER IN CONNECTION WITH THESE MEMBER TERMS AND CONDITIONS OR THE SERVICES, REGARDLESS OF THE CAUSE OR THE LOSS OR INJURY (INCLUDING NEGLIGENCE) AND REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE RIGHT CLAIMED TO HAVE BEEN VIOLATED, SHALL NEVER EXCEED THE AMOUNT PAID TO CCA BY CUSTOMER FOR THE AFFECTED SERVICES. CUSTOMER COVENANTS AND PROMISES THAT IT WILL NOT SUE CCA, OTHER CCA CUSTOMERS, OR ITS OR THEIR SOURCES FOR AN AMOUNT GREATER THAN SUCH SUM AND THAT IT WILL NOT SEEK PUNITIVE DAMAGES IN ANY SUIT AGAINST CCA, OTHER CCA CUSTOMERS, OR ITS OR THEIR RESPECTIVE SOURCES. THIS SUBSECTION STATES CCA'S, ITS OTHER CUSTOMERS’, AND ITS AND THEIR RESPECTIVE SOURCES' ENTIRE LIABILITY AND THE SOLE REMEDY OF CUSTOMER IN CONNECTION WITH THE PROVISION OF THE SERVICES EXCEPT AS OTHERWISE REQUIRED BY LAW

D. Indemnification. Customer shall defend, indemnify and hold harmless CCA and its officers, agents, employees, representatives, contractors, assignees and/or designees from any and all liability, actions, claims, demands or suits, and all related costs, attorney fees, and expenses brought against CCA by a third party arising out of or relating to: (1) the use of the Services by Customer; (2) Customer’s provision of any experience information shared with CCA for use in the Services; and (3) Customer’s breach of these Terms and Conditions. Customer shall cooperate with CCA in defending against such claim.

E. Modifications to Terms of Use. CCA has the right to change, modify or add to these Terms and Conditions governing the Services or any part thereof. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by electronic or conventional means and must be accepted by Customer. You agree to review this page periodically to be aware of such changes, modifications, additions or deletions. Your continued use of the Services after such notice has been given shall be deemed to constitute Your and Customer’s acceptance of the changes, modifications, additions or deletions.

F. Account Set-Up, Accuracy, and Access to Your Account. You represent and warrant that You are 18 years of age or more at the time You create an account with us, and are fully able and competent to agree to these Terms and Conditions set forth herein on Your behalf and on behalf of the Customer you represent. If any information You provide is untrue, inaccurate or not current, or if CCA has reasonable grounds to suspect that such information is untrue, inaccurate or not current, CCA, at its sole discretion, has the right to suspend or terminate use of the Services t and refuse all current or future access to the Services or suspend or terminate any portion thereof. Further, You agree that CCA will not be liable to Customer or any third party if CCA suspends or terminates Your access to the content or products for any reason. Some Services may require separate registration and logins. You are responsible for providing all information necessary for such registrations, for protecting the confidentiality of Your identification and/or passwords for accessing any of the Services, and for all use of Your accounts, whether expressly authorized by You or not. For the avoidance of doubt, CCA may, in its sole discretion, terminate any Account, with or without notice, for any or no reason whatsoever, and without any right of recourse by you, including but not limited to a real or suspected violation of these Terms and Conditions.

G. Right to Modify Services. CCA may at any time, without notice or liability, add a Service, change or eliminate any Service or any content or feature of the Services, or restrict the use of any portion of the Services. Customer’s only right and remedy with respect to any dissatisfaction with any service-related change or elimination is to cease use of the Services.

H. CCA’s Use of Your Information. CCA does not share Your information collected through the Services, excluding Risk Assessment Information which is defined below (“Your Information”) with third parties, except for other Customers, our affiliated companies, technology partners, and other vendors in order to provide the Services and in accordance with applicable law. CCA will not sell Your Information to third parties. Refer to CCA’s Privacy Policy for additional information regarding use of Your Information. CCA may also use Your Information for, but not limited to, the following purposes: (i) to provide You with information, products or services You requested; (ii) as permitted in CCA’s Privacy Policy; (iii) for internal product development and to improve the products and services offered or provided; (iv) to troubleshoot problems with the Services; (v) for billing for the Services, fraud prevention, and to enforce these Terms and Conditions or to otherwise enforce our rights and remedies under applicable law; (vi) to customize Your experience using the Services; (vii) to provide sales information to a partner or affiliate whose link You used to access the Services; or (viii) to protect CCA and the Services from actual or threatened harm.

CCA reserves the right to disclose Your Information (i) if required to do so by law or legal process; or (ii) if necessary or appropriate to protect or defend the rights or property of CCA. Without limiting the foregoing, CCA has the right to fully cooperate with any law enforcement authorities, court order, or subpoena requesting or directing us to disclose the identity or other information of anyone using this Website. YOU WAIVE AND HOLD HARMLESS CCA FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CCA DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CCA OR LAW ENFORCEMENT AUTHORITIES.

Data Pseudoanonymization and Confidentiality. CCA agrees that all data provided by the Customer shall be pseudoanonymized in such a way that the Customer's identity is not directly disclosed or identifiable as the direct source of the data. Specifically:

Pseudoanonymization: CCA will ensure that any data submitted by the Customer is processed and pseudoanonymized to remove any directly identifying information, including but not limited to the Customer’s name, contact details, and any other data that could reasonably lead to the identification of the Customer as the source without recompilation with another data set or from identifying a specific AR trade line amount reported by Customer.
Data Aggregation: Any data used for reporting, analysis, or any other purpose will be aggregated with data from other sources in a manner that further ensures the Customer's pseudoanonymity.
Confidentiality: CCA shall treat all Customer data with industry-standard levels of confidentiality and will implement appropriate technical and organizational measures to protect against unauthorized access, disclosure, alteration, or destruction of the data.

I. Use of the Services. By registering for the Services, you will have access to business debtor databases and credit information containing Risk Assessment Information, as defined below. CBC FINANCIAL LLC and other third-party commercial debt collectors may share the following experience information about business accounts that have been placed with them for collection in such databases and otherwise via the Services: the identity of the commercial debtor, amount owed, status of the debt (“Risk Assessment Information”). CCA agrees that it will not disclose the identity of the entity that has placed the debt for collection without Customer’s written consent or where required to perform the Services, and You agree to not attempt to derive the identity of any entity that has placed a debt for collection as included in the Debtor Database.

Additionally, by registering for the Services , You agree to promptly respond to any inquiries regarding accounts placed for collection by the Customer You represent that are reflected in the databases and reporting tools provided by the Services and agree to use reasonable efforts to ensure that all Risk Assessment Information is accurate. You also agree that by registering for the Services, other customers may contact you directly to obtain references about businesses seeking credit.

The information provided by CCA or its members does not constitute a “consumer report” as that term is defined in the federal Fair Credit Reporting Act, 15 USC 1681 et seq. (FCRA), and may not be used in whole or in part as a factor in determining eligibility for personal credit, insurance, employment or another permissible purpose under the FCRA. CCA only accepts, stores, and distributes data on commercial entities. You are prohibited from providing information on individual persons or consumers. It is the policy of CCA to view sole-proprietors, single-shareholder corporations, single-member partnerships and single-member companies as commercial entities and not as individuals or consumers.

Due to the nature of contributed information, the information provided via the Services may contain errors. Source data is sometimes reported or entered inaccurately, processed incorrectly, and is generally not free from defect. The Services aggregate and report data, as provided by CCA customers As such, CCA is not the source of the data nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified and is used by You at Your own risk.

Some Services are subject to additional terms and conditions, depending on the type of report provided. Some additional terms and conditions are included below and others may be provided to You during the ordering process. You agree to comply with all such terms and conditions when ordering and receiving the reports.

J. Single, Bulk Reports. Customers may purchase single credit reports or credits for bulk credit reports. CCA reserves the right to offer discounts for the purchase of bulk reports or credits towards future credit report purchases or otherwise change the fees associated with credit reports at any time. Where a Customer has purchased credits, CCA will only debit the credits available in the event CCA has a credit report available for the debtor on whom Customer desires to obtain a credit report. Any unused credits will expire one (1) year after the date of purchase and are not refundable or able to be exchanged for cash or other Services.

The information provided by CCA or its other customers does not constitute a “consumer report” as that term is defined in the federal Fair Credit Reporting Act, 15 USC 1681 et seq. (FCRA), and may not be used in whole or in part as a factor in determining eligibility for personal credit, insurance, employment or another permissible purpose under the FCRA. CCA only accepts, stores, and distributes data on commercial entities. It is the policy of CCA to view sole-proprietors, single-shareholder corporations, single-member partnerships and single-member companies as commercial entities and not as individuals or consumers.

Due to the nature of contributed information, the information in a purchased credit report may contain errors. Source data is sometimes reported or entered inaccurately, processed incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by CCA members, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified.

If You have questions regarding Your company’s report or would like to dispute information, You may request an investigation by contacting an CCA representative. You may use the phone number listed on the Website, or use the online form, posted in the ‘Help / Contact us’ section at the top of cannabizcredit.com.

K. No Liability for Reliance. CCA does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through the Service. Customer acknowledges that any reliance upon any such opinion, advice, statement, or other information shall be at Customer’s sole risk.

L. Refunds. Refunds are not available unless approved by CCA at its sole discretion.

M. Data Sharing. By enrolling in CCA, and as a condition of access to our One View Insights tool that includes information from our the Debtor Database and Member AR Database, Customer agrees to share its accounts receivables data, including such data from its affiliated companies (the accounts receivables data and the accounts receivable contact list, collectively the “AR Data”) with CCA no later than the 20th of each month for the month’s prior data. If CCA does not receive Customer’s accounts receivable data by 20th of any given month, then CCA reserves the right to suspend Your access to and use of the Services, without recourse. Customer agrees to continue to pay any membership fees due during any applicable suspension period.

In addition, you agree to regularly supply CCA with Payment Data (as defined herein) relating to Customer’s and its affiliated companies’ debtors (receivables ledger) in real-time or as otherwise may be requested by CCA. You agree that CCA may transfer this Payment Data to its affiliates and partners, or may request you to transfer the Payment Data via electronic means, including through APIs, to be included in payment performance tools and ledgers maintained by CCA and/or its affiliates and partners. Such inclusion may result in the Payment Data being integrated, combined with, and analyzed alongside other data held by CCA and/or its partners and affiliates for use in wider products and services (including business credit reports,) which CCA and/or its partners and affiliates may make available to their respective customers and affiliates. In exchange, you will receive greater matched and enhanced data against CCA and its partners’ and affiliates’ databases.

The origin of Payment Data supplied to CCA and/or its partners and affiliates will only be disclosed where required by law or with your prior consent.

You acknowledge that you are sharing Payment Data for the purpose of enabling CCA and its partners and affiliates to provide credit, financial and business information to its customers and to act as credit and business reference agency offering business information globally. You acknowledge that CCA and its partners and affiliates have a legitimate interest for doing so as it will serve to benefit the economy by assisting businesses to make financial decisions and manage business risks and to facilitate informed decision making regarding other businesses. In light of the foregoing, where shared data is missing details, such as address or contact information, CCA reserves the right to update such data. CCA shall not be held liable for data that CCA updates incorrectly, inaccurately, or insufficiently.

By sharing Payment Data, you warrant that such Payment Data complies with the

relevant provisions of any relevant data protection legislation, including but not limited to the California Consumer Privacy Act of 2018 (“CCPA”), and that you have all necessary approvals, licenses, and consents in place to share the Payment Data with CCA and its partners and affiliates, and you further warrant that CCA and its partners and affiliates may use the Payment Data for the purposes outlined herein. In particular, Should you provide CCA and/or its partners and affiliates Payment Data that

includes Personal Data, you warrant that you have a lawful basis for doing so and that you have complied with the transparency requirements set out in applicable data protection legislation. You will indemnify CCA and its partners and affiliates for all and any losses, costs, damages, claims or demands they may suffer or incur as a result of your breach of applicable data protection legislation.

“Payment Data” includes: Customer Account No.; Customer Name; Address; City; State; Zip; Code; Country Code; Company Reg No./VAT No.; Telephone No.; Contact Name; E-mail address; Summary Level (“the Summary Level Data”): Customer Account No.; Total Balance; Current Balance; Balance 1 to 30 Days; Balance 31 to 60 Days; Balance 61 to 90 Days; Balance 91 Days; Currency; Invoice Level (the “Invoice Level Data”): Customer Account No.; Invoice Ref/No; Invoice Type; Invoice Date; Due Date; Paid Date; Invoice Amount; Currency; Compulsory data fields.

Customer grants CCA a perpetual, royalty-free, irrevocable, non-exclusive, transferable license to use and share its AR Data as CCA deems necessary to: (i) provide current and future Services to Customer and other customer, (ii) to share with third parties in CCA’s sole discretion for the third parties’ use (provided that such use or the product of such use will not identify Customer), (iii) for promotional marketing purposes provided that such use or the product of such use will not identify Customer), (iv) with CCA third- party service providers to improve and deliver the Services and other products provided that the product of such use will not identify Customer, (v) data management, and (vi) to facilitate a potential or actual ownership change in CCA. CCA may assign any rights to provide the Services, including the One View, Debtor Database, and Member AR Database, and/or this license in the event of a change of control or ownership in CCA without notice to Customer. This license shall survive any termination, cancellation or expiration of Customer’s use of the Services.

N. Prohibited Uses: Customer agrees that it will not (and will not permit others) to:

use ‘robots’ ‘spiders,’ ‘web crawlers’ or other automated or robotic devices to scrape, collect or otherwise harvest information of any kind;
intentionally or unintentionally violate any applicable local, state, national or international law or requirement of a regulatory authority;
use or access the Services outside the United States;
perform any action that could result in excessive usage that adversely impacts the performance of the Services for other users;
decompile, reverse engineer, or disassemble the Services;
use the Services to engage in any disparagement, defamation, libel or slander of CCA, any of its members, or any third party;
submit incorrect Payment Data with the intent to cause harm to another Customer or third party or where through your actions, whether intentional, wilful, or grossly negligent, cause CCA to report misleading, fraudulent, or otherwise inaccurate information by and through its Services; or
use the Services in any way that violates these Terms, policies posted on the CCA website, or codes of conduct provided by CCA.

Any violation of the above may, in CCA’s sole discretion, result in immediate restriction, suspension, or termination of Your account, without recourse or advance notice.

O. Fees: Customer will be responsible for paying the membership fees that are displayed upon sign up for Services or as updated by us from time-to-time .

P. Sales tax: In certain jurisdictions, sales tax at state and local rates may apply, in which case Customer may be charged the applicable taxes (at the highest local rate in Your state) in addition to the monthly fee and/or price for the Services. The list of taxable states is available on the account registration page. We do not have an online method to claim tax exempt status. If Customer is tax exempt, You can apply to be exempted from paying sales tax on future purchases. Please email us Your completed and signed “State Sales Tax Exemption Form” to [email protected]. We’ll notify You within 2 business days of Your account status. We cannot refund tax paid on previous purchases. Tax exempt Customers may file for a refund of taxes on previous purchases with their state, using a receipt from us to show the Customer has paid tax. We cannot assist You in filing these forms with Your state.

Q. Report Dispute Process: If You have questions regarding a report on the Customer You represent or would like to dispute information, You may request an investigation by contacting an CCA representative. You may use the phone number listed on the Website, or use the online form, posted in the ‘Help / Contact us’ or ‘Appeal’ section of cannabizcredit.com.

Except where required by law or if agreed by the Customer or third-party reporter of the data contained in a report (“Reporting Party,”) CCA will not identify the Reporting Party to You. Notwithstanding the foregoing, Reporting Party hereby agrees to provide any and all assistance requested by CCA in resolving any dispute, including the production of reports or other records demonstrating the veracity of the data provided that forms the basis of the report. CCA reserves the right to update or otherwise modify any disputed report, in its sole discretion, based on the information received from the Reporting Party and cannot be held liable for any incorrect reports or damages that may arise therefrom, including but not limited to loss of profit or reputational harm.

The dispute process shall not be abused, and You shall be restricted from making further disputes, including restrictions placed on Your account or termination thereof, in CCA’s sole discretion and without recourse against CCA, where You have made three (3) or more report disputes that CCA determines to be baseless, in CCA’s sole and exclusive discretion.

In no event shall You contact another CCA Customer to request modification or removal of Payment Data in a disputed report without first obtaining CCA’s approval.

R. Waiver: The failure by CCA to require performance of any provision in these Member Terms and Conditions shall not affect the full right to require such performance at any time thereafter; nor shall the waiver by CCA of a breach of any provision of these Terms and Conditions be taken or held to be a waiver of the provision itself.

S. Venue: These Member Terms and Conditions will be governed by and construed in accordance with the internal substantive laws of the State of Delaware, USA. The parties agree that the venue for any dispute arising out of the access to, or use by, Customer of any information or data provided by CCA shall be in New Castle, Delaware, whether brought in federal or state court.

T. Grant of License. Customer and You grant us an irrevocable, worldwide, royalty-free, non-exclusive license to use Your name, voice, likeness, image, statements and any testimonial made by You in any and all media (whether now known or hereinafter invented) as well as an irrevocable, worldwide, royalty-free, non-exclusive license to use Customer’s tradename, trade dress, and logo for the purposes of marketing of the CCA Services, including but not limited to in any case study or representative customer list.

U. Entire Agreement: These Member Terms & Conditions, the Privacy Policy, and other terms and policies posted for the Website and Services (including the Website Terms and Conditions) constitute the entire Agreement between CCA and You in connection with the Services and supersede any prior versions of the Terms and Conditions, if applicable. The Member Terms and Conditions are effective until replaced by CCA or termination of your membership. In the event of termination, the provisions of the Warranty Disclaimer and Limitation of Liability and Indemnification, and of this Section S will survive. Upon termination, Accounts Receivable Information collected related by the CCA for collection will not be returned nor deleted and will remain in possession of the CCA. In the event of a conflict between any other notice, policy, disclaimer or other term contained on the Website, these Member Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions unless otherwise restricted by law. The section headings are for convenience only and do not have any force or effect.