Terms of Use
Last updated: May 2026
By accessing the Modern Positive Pay Academy ("Academy"), you agree to the following terms. The Academy is operated by Advanced Fraud Solutions, Inc. ("AFS").
Use of content
All curriculum content, lesson text, templates, and downloadable assets are the intellectual property of Advanced Fraud Solutions, Inc. You may use Academy materials for your own professional development and internal use at your financial institution. You may not reproduce, redistribute, resell, or publish Academy content without written permission from AFS.
No professional advice
Academy content is educational and informational. It does not constitute legal, compliance, or regulatory advice. Consult qualified professionals for institution-specific guidance on fraud prevention, compliance obligations, or vendor contracts.
Certificates
Certificates issued by the Academy reflect completion of the curriculum as described. They do not confer professional licensure, regulatory certification, or any credential recognized by banking regulators.
Accuracy of content
AFS makes reasonable efforts to keep curriculum content current and accurate. Statistics, benchmarks, and regulatory references reflect information available at time of publication and may change. AFS is not liable for decisions made based on Academy content.
Changes to these terms
AFS may update these terms at any time. Continued use of the Academy constitutes acceptance of updated terms.
Contact
Questions: legal@advancedfraudsolutions.com · Advanced Fraud Solutions, Inc.