Company account terms

Last updated: September 29, 2026

These terms apply to companies whose staff sign in at account.debtcollectionindex.com to keep their company's page current. By signing in, you accept them on your company's behalf. In short: only the company's own employees, officers or authorized representatives may use the account; what you tell us must be true; you can describe how your company works, and add proof for your record, but you can never change the public record, a complaint count, an enforcement record or a ranking; never send us any consumer's or debtor's personal information; and nothing you pay ever changes where you rank. These terms add to our terms of use and privacy policy.

1. Who these terms are between

These terms are between Debt Collection Index LLC, 1209 Mountain Road Pl NE, Ste N, Albuquerque, NM 87110 ("we", "us") and the company whose account you use ("the company"). "You" means the company and each person who signs in to its account.

2. Who may use an account

You must be an employee, officer or authorized representative of the company, and 18 or older.
By signing in, you confirm you have authority to accept these terms for the company and to supply information about it.
Sign in only with your own work email at the company's own website domain. Do not share your sign-in codes or let anyone else use your session.
The first person to sign in becomes the account's owner. Owners invite colleagues at the same domain, remove people who leave, and are responsible for who is on the account.
Where an account's domain changes hands or lapses, or we cannot confirm who controls it, we may pause the account until we can.

3. What you can and cannot change

A company's page has three kinds of information, and each is handled differently.

How you work (for example the debts you collect, your fees, hours, languages and systems). After automatic checks, this is published as your company's own account, labeled as supplied by the company and dated. We audit a sample.
Your record (for example memberships, certifications, bonds and insurance). This is published only after we have checked it against the issuing body, a public record, an official document or your own website, and it is labeled with how it was checked.
The public record (license and bond filings, complaint statistics, regulators' enforcement actions and your ranking). You cannot edit it. It comes from public sources and our published methodology. If you believe a fact is wrong, use our corrections policy, which is free and needs no account.

Having an account, supplying information, or paying for any service never changes your ranking. See our methodology.

4. What you must never send us

Any consumer's or debtor's personal information, in any field or document. If we find it, we delete it and tell you.
Anything false, misleading or out of date, including claims about licenses, memberships, certifications or history you cannot support.
Any claim that your company is a government body, a court or a law firm, unless the public record shows it is, or that Debt Collection Index licenses, endorses or recommends your company.
Any threat of legal action, or wording meant to pressure consumers.
Text written to instruct search or AI systems rather than to inform readers.
Images, logos or documents you do not have the right to use.
Anything unlawful, or any file containing malicious code.

5. Permission to publish what you supply

The company keeps ownership of what it supplies. The company gives us a worldwide, non-exclusive, royalty-free license to host, reproduce, format, publish and display it on our websites, and in data we publish from them, for as long as it is published, and to keep copies as the record of what was published and when. You confirm the company has the right to give this license. Images you upload may be resized or re-saved, which removes hidden data such as location.

6. Our decisions

We decide what appears on our site. We may check, decline, label, reformat, pause or remove anything supplied through an account, and we may pause or close an account that breaks these terms. We do not have to publish anything supplied to us. We will tell you when we decline or remove something you sent and, where we can, why.

7. Documents you give us as proof

Documents you upload to support a record fact are shown with it: anyone reading your page can open them, labeled as supplied by you and not confirmed with their issuer. Upload only what you are happy to show. They are kept for as long as the fact they support is published, plus 90 days to answer any dispute, then deleted.

8. Keeping the account secure

Keep your work mailbox secure, because access to it is access to the account. Tell us at claims@debtcollectionindex.com straight away if you think someone else has used your account. Use "Sign out on every device" if a device is lost. We will never ask you for a sign-in code.

9. Paid services

Having an account is free. If the company chooses a paid service, its price and terms are shown before anything is charged, and the company can cancel at any time. When a paid service ends, what it paid for is removed at our next update; the company's page and the public record stay.

10. Closing an account

An owner can ask us to close the company's account at any time. When an account closes, what the company supplied comes down at our next update. The company's page, built from public records, stays. We keep records of the account as our privacy policy describes.

11. No warranties

The account and our websites are provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose. We do not promise that the account will always be available, or that any inquiry, lead or business will result from it.

12. Limit on our liability

To the fullest extent the law allows, we are not liable for any indirect, incidental, special or consequential loss, or for lost profits, revenue or business, arising from the account or these terms. Our total liability for any claim arising from them is limited to the greater of the amount the company paid us in the 12 months before the claim and 100 US dollars.

13. The company's responsibility for what it supplies

The company will defend and compensate us, and our officers and staff, against any claim, loss or cost, including reasonable legal fees, arising from information or files the company supplied that were false, misleading or unlawful, or that infringed someone else's rights, or from the company's breach of these terms.

14. Changes to these terms

We may change these terms. Changes appear on this page with a new date above. We will email every account owner before a material change applies. Signing in after a change means the company accepts the current terms.

15. Law and disputes

These terms are governed by the laws of the State of New Mexico and the United States, without regard to conflict-of-law rules. Any dispute arising from them will be heard in the state or federal courts located in Bernalillo County, New Mexico, and both sides agree to those courts' jurisdiction.

16. General

These terms, with our terms of use and privacy policy, are the whole agreement about company accounts. If any part is found unenforceable, the rest still applies. Not enforcing a term is not a waiver of it. The company may not transfer its account or these terms without our written agreement. Questions: claims@debtcollectionindex.com.