1. Acceptance of Terms

By accessing the Site or using any Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you are using the Site or Services on behalf of an organization, you confirm you have authority to bind that organization to these Terms.

2. About ACBM

American CBM (ACBM) is a global compliance certification body offering specialized programs in anti-money laundering, fraud prevention, KYC/CDD, and related business compliance disciplines. All content and Services are provided for education and certification purposes only.

3. Use of the Site

You agree to use the Site and Services only for lawful purposes. You must not:

• Violate any applicable laws or regulations;
• Infringe or violate intellectual property rights or other rights of ACBM or any third party;
• Attempt to gain unauthorized access to the Site, accounts, systems, or networks;
• Transmit malware, harmful code, or disruptive content;
• Misrepresent your identity, qualifications, or eligibility, or provide false information.

We may suspend or restrict access if we reasonably believe you have violated these Terms or misused the Site or Services.

4. Accounts and Enrollment

Certain Services may require account registration and/or enrollment. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to provide accurate and up-to-date information during registration and enrollment.

5. Payments and Access

When you purchase a course or certification, you agree to pay the applicable fees and taxes (if any). Access to digital content and Services is typically granted electronically after payment confirmation.

We may use third-party payment processors. Payment processing is handled by those providers under their own terms and policies.

6. Intellectual Property

All materials on this Site — including text, logos, certifications, syllabi, graphics, videos, assessments, and course content — are the intellectual property of ACBM (or its licensors) and are protected under applicable copyright and trademark laws.

You may not copy, reproduce, distribute, publish, display, modify, create derivative works from, or commercially exploit any Site or Service content without prior written permission from ACBM.

7. Certification Rules, Eligibility and Validity

Enrollment in ACBM programs may be subject to eligibility criteria stated on the relevant certification or course page. You are responsible for reviewing those requirements before enrolling.

• Validity: Certifications may be valid for a specified duration. Where applicable, re-certification, renewal, or continuing requirements may apply.
• Integrity and misuse: Misuse, falsification, or unauthorized sharing of certificates, exam content, or course materials may result in suspension, revocation, disqualification, and/or permanent restriction from Services.
• Verification: ACBM may maintain verification records and may validate credential authenticity upon request.

8. Refund and Cancellation Policy

ACBM courses and certifications are digital. Unless otherwise stated on a specific product page, payments are non-refundable once access has been granted. Please review all program details before purchasing or enrolling.

The official Refund & Returns Policy is available here: https://americancbm.org/refund_returns/

We reserve the right to cancel, reschedule, modify, or discontinue any program, content, or feature at any time, including due to operational, compliance, or quality reasons.

9. Disclaimers

ACBM does not guarantee outcomes, employment, promotions, compensation, licensing approvals, or professional results from the use of any certification, course, or Service. Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, ACBM shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) the Site or Services.

11. Third-Party Links

The Site may contain links to third-party websites or services. These links are provided for convenience and do not imply endorsement. ACBM is not responsible for third-party content, availability, or privacy practices.

12. Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page. Your continued use of the Site or Services after any changes means you accept the updated Terms.

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States of America, without regard to conflict of law principles.

14. Contact Us

If you have any questions or concerns about these Terms, please contact:

The American Compliance and Business Management Association (ACBM)
Email: support@americancbm.org
Website: https://americancbm.org