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The information on NACM North Central's site (www.nacmnc.com) is owned by NACM North Central and will be herein referred to as "Site".

By using the Site, you agree to these terms and conditions. If you do not agree to all terms and conditions, please do not use this Site!

Use the Site and the content at your own risk. Information is transmitted over a medium (the Internet) that is beyond the control and jurisdiction of NACM North Central and its suppliers. Accordingly, NACM North Central assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site. The Site and its content are provided "AS IS."

NACM North Central makes no guarantees or promises regarding the accuracy, reliability, completeness or timeliness of the content, software, text, graphics, links, or communications on the Site.

Public Areas

As a service to you, NACM North Central offers credit and financial information through forums and other resources on this Site. NACM North Central accepts no responsibility for the opinions and information posted on this site by others. NACM North Central disclaims all warranties with regard to information posted on this site, whether posted by NACM North Central or any third party; this disclaimer includes all implied warranties of merchantability and fitness.

In no event shall NACM North Central, its licensors, its suppliers, or any third parties be liable for any special, indirect, or consequential damages or any damages whatsoever resulting from loss of use, data, or profits, arising out of or in connection with the use or performance of any information posted on this site.

Please exercise caution and contact your attorney when dealing with legal matters - never substitute web information for corporate legal counsel. NACM North Central is not licensed to practice law.

Responsible Posting

Do not post any defamatory, abusive, profane, threatening, offensive, or illegal materials. Do not post any information or other material protected by copyright without the permission of the copyright owner. By posting material, the posting party warrants and represents that he or she owns the copyright with respect to such material or has received permission from the copyright owner. In addition, the posting party grants NACM North Central and users of this forum the nonexclusive right and license to display, copy, publish, distribute, transmit, print, and use such information or other material.

Antitrust Regulations

Make sure you are aware of all antitrust regulations; follow both the letter and the spirit of the law.
Click here for a free copy of "Antitrust Guide For Business Credit Professionals," published by NACM National (requires adobe reader),

Do not post any message that encourages or facilitates members to arrive at any agreement that either expressly or impliedly leads to price fixing, a boycott of another's business, or other conduct intended to illegally restrict free trade. Messages that encourage or facilitate an agreement about the following subjects are inappropriate: prices, discounts, or terms or conditions of sale; salaries; profits, profit margins, or cost data; market shares, sales territories, or markets; allocation of customers or territories; or selection, rejection, or termination of customers or suppliers.

Do not post any message to the forum that inquires, discusses, or solicits credit information about any business or other entity. Credit information includes any and all communications regarding:

  • any information about a debt;
  • the payment history of a business or entity;
  • any information from a commercial credit report about the business or entity; and
  • trade or bank references of the business or entity.
Corrective Action

In the event that any inappropriate posting is brought to NACM North Central's attention, NACM North Central will take all appropriate action.

NACM North Central reserves the right to remove any information from the site and/or to terminate access to any user who does not abide by these guidelines.

Advertisements and Links to Other Sites

NACM North Central does not endorse the content on any third-party websites. NACM North Central cannot be and is not responsible for the content of linked third-party sites, sites framed within this Site or other sites, or third-party advertisements, and does not make any representations regarding their content or accuracy. Use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites.

By using the Site, you agree to defend, indemnify, and hold NACM North Central and its officers, directors, authors, employees, agents, licensors, corporate partners, advisors, advisory board and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees resulting from, or alleged to result from, any problem related to the Site or its content.

You also expressly agree that exclusive jurisdiction for any dispute with NACM North Central, or in any way relating to your use of the Site, resides in the courts of the State of Minnesota. You further agree and expressly consent to the exercise of personal jurisdiction in the courts of the State of Minnesota in connection with any such dispute, including any claim.

Social Media

By registering to be a member of the NACM North Central LinkedIn® group (Group), you agree to the terms contained in the NACM North Central Social Media policy that can be found and printed at www.nacmnc.com under "NACM North Central Social Media" (Policy). If you do not agree to the terms of the Policy, do not register for the Group or use the services provided by the Group.

By registering to become a member of the Group, you consent to have your name and your email address be accessible to the official representatives of the Group. Registering allows you to be identified as a NACM North Central Group member in your profile and LinkedIn® search results. 


By following the NACM North Central Twitter® account or referencing the NACM North Central Twitter account (Account), you agree to the terms contained in the NACM North Central Social Media policy that can be found and printed at www.nacmnc.com under "NACM North Central Social Media" (Policy). If you do not agree to the terms of the Policy, do not follow the Account or use the services provided by the Account.

By following of the Account, you consent to have your name and your email address be accessible to the official representatives of the Account. Registering allows you to be identified as a NACM North Central Account follower in your profile and Twitter® search results.

Disclaimer: Any analysis, opinions, commentaries, links, photographs or articles displayed or expressed on this NACM North Central Group or Account pages, whether by a business or any individual member, are those of the submitter/group member and do not represent the views of NACM North Central or its officers, employees, directors, members or any affiliate of NACM North Central. NACM North Central is not responsible for any posting submitted on the Group or Account pages, regardless of its content. Any information provided on the Group or Account pages is not intended as a substitute for legal advice and NACM North Central urges you to consult with your legal counsel.

This social media policy (Policy) is a legal agreement between you and NACM North Central. "You" refers to any user of NACM North Central's services, including, without limitation, the NACM North Central LinkedIn® group(s) (Group) services, the NACM North Central Twitter account followers (Account) NACM North Central's membership or user of the website located at www.nacmnc.com (Website).

By utilizing any of the services listed above you agree to be bound by the terms of this Policy. If you do not agree, you should cease using NACM North Central's services.

Social networking sites including, but not limited to Facebook®, MySpace®, Twitter® and Linkedin® (Social Networking Sites) are an important part of personal and professional communication for millions of people. Social Networking Sites are an important part of a business's reputation and the line between personal and professional or business communication is no longer clearly defined. This Policy has been developed to set forth the standards that you must use when using Social Networking Sites in order to maintain the high standard of quality for NACM North Central and protect NACM North Central from loss of credibility with the public or any diminishment of its reputation.

You are solely responsible for any information you submit to a Social Networking Site or the Website, such as blogs, tweets, photographs, comments, replies, disclosures, opinions, video or other communication (Content) and any liability resulting from your posting of inappropriate, libelous, defamatory, obscene or proprietary information. All posted and/or displayed Content on a Social Networking Site or the Website is deemed to be publicly disclosed by you. You do this at your own risk and indemnify and release NACM North Central from any claims resulting from your Content.

NACM North Central owns and maintains the Group, the Account, the Website and any other Social Networking Site on behalf of NACM North Central, as well as any corresponding electronic pages and content. NACM North Central's purpose for maintaining the Group and Account is to promote best practices and proper compliance with anti-trust laws, facilitate communication and networking with credit industry professionals and to provide education and other types of credit industry information to the members of the Group and Account.

NACM North Central has the sole discretion to remove any Content at any time, without liability to NACM North Central or prior approval from you. NACM North Central periodically reviews the Website and any of its Social Networking Sites to ensure you are not posting Content that is objectionable, infringing, defamatory, false, misleading, offensive or otherwise in violation of this Policy. Irrespective, NACM North Central may remove any Content it wishes at any time. NACM North Central reserves the sole right to remove Content and to disable your right to provide any further Content.

You must adhere to the following guidelines when using Social Networking Sites or the Website and posting Content:

  • Content must be deemed beneficial to the public and/or members of NACM North Central;
  • Content not be deemed advertising, promotion or solicitation, unless otherwise approved in writing by the NACM North Central President or their designee;
  • Content must be lawful and may not contain content that is objectionable or offensive;
  • You may not disclose any confidential, proprietary or trade secret information of NACM North Central or any other third party you have an obligation to.
  • Content must adhere to the guidelines, terms of use, privacy policies and other agreements of the Social Networking Site(s). 
  • At no time should Content be posted that constitutes an anticompetitive agreement, discusses pricing or market allocation, shares competitively-sensitive information or disparages vendors, suppliers or other members.
  • You may not make any forward-looking commentary about NACM North Central. 
  • You may not make any public disclosures on behalf of NACM North Central without NACM North Central's written consent. 
  • You may not display, use, copy or make derivative works of any trademark, copyright or other intellectual property of NACM North Central without prior written consent from an authorized officer of NACM North Central. 
  • No copyrighted works of NACM North Central or any other third party may be reproduced in violation of the law. If a work is copyrighted, regardless of the use of ©, you must seek out and receive express written permission of the copyright holder to reproduce the copyrighted work in order to avoid violation. This also includes all copyrighted works held by NACM North Central. In order to get permission to copy or reproduce NACM North Central's copyrighted materials, contact NACM North Central's President.
  • You must have prior authorization and consent by each person or person(s) contained in a video or audio file before uploading any such content to the Social Networking Site or the Website.
  • You must disclose any material connection between you and any company that you provide an endorsement, testimonial or blog about. You are not permitted to make any such statements without full disclosure of any material connection, like gifts, employment, free product samples, etc.
  • NACM North Central will comply with all applicable laws governing equal employment opportunity. NACM North Central will lawfully use the Content, regardless of race, color, creed, religion, national origin, sex, marital status, status with regard to public assistance, disability, sexual orientation, membership or activity in a local commission or age.
  • If you are an employee of NACM North Central, your Content can not violate any terms of the policies, procedures and contracts listed below (these documents are incorporated into this Policy). Any violation of these documents or this Policy could result in termination. 
  • Anti-harassment;
  • Any company confidentiality policies, including third party agreements you are a party to;
  • Any non-disclosure agreements;
  • Discrimination policies; 
  • Employee handbook(s);
  • Security policies;
  • Intellectual property guidelines;
  • Internet and email usage requirements;
  • Privacy policies;
  • Non solicitation limitations;
  • Trade secret guidelines and
  • Work equipment usage policies.

Pursuant to the Digital Millennium Copyright Act, 17 U.S.C. Sec. 512(c), NACM North Central's Designated Agent for notice of claims of copyright infringement can be reached through the contact information contained below. Service of repeat infringers of copyright or of users about who repeat claims of copyright infringement are received will be no longer be allowed to post Content.

Designated Agent for Claimed Infringement:

Name: Toni J. Nuernberg, CAE
Title: President & COO
Address: 8441 Wayzata Blvd., Suite 270, Golden Valley, MN 55426
Phone: (763) 253-4300
Email: info@nacmnc.com
Web address: www.nacmnc.com

You acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, NACM North Central may immediately remove the identified materials from the Social Networking Site or Website without liability to NACM North Central or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the United States Copyright Office for adjudication as provided in the Digital Millennium Copyright Act.

© 2017 NACM North Central. All rights reserved.