Business Financial Consulting Terms of Use

 

Welcome to the Business Financial Consulting's website. The following terms (the “Terms”) govern your access to and use of this website, www.bfcfinance.us (together with any user, borrower or investor / lender accounts, if any, on the website, the “Website”).  All use of the Website and the Content (as defined below) is subject to the Terms.  

By using the Website, you acknowledge that you have read, understood and agree to comply with the Terms, and are entering into a binding legal agreement with Business Financial Consulting.  If you do not agree with anything contained in the Terms, please do not submit information to, access information from, or otherwise utilize the Website.  

Users of this Website, including owners, employees, agents and affiliates of any business, corporation, partnership or other entity that is, or is considering becoming, a user, borrower or investor, are referred to as “you” or “your.”     

Business Financial Consulting., a Florida corporation, together with its applicable subsidiaries, affiliates, assignees, successors and its and their respective officers, directors, employees and agents are referred to as “Business Financial Consulting,” “we,” “us” or “our.”  Together, you and we may be collectively referred to as “Parties.” 

Authorization to Obtain Credit Reports
By submitting a Business Financial Consulting application via the Website, each individual serving as a guarantor ("Guarantor", "you" or "your") in connection with the applicant for credit (the "Applicant") understands and agrees that you are authorizing Business Financial Consulting or its agents to obtain credit reports and related information about you from one or more consumer credit reporting agencies, which may include Experian, Equifax, and TransUnion. 

Business Financial Consulting may request your credit reports to make credit decisions on your application for commercial credit. You direct Business Financial Consulting to provide on your behalf certain elements of your application, and elements derived in whole or in part from certain elements of your application, to its affiliates and potential investors / lenders of Business Financial Consulting or its affiliates. 

You authorize Business Financial Consulting to obtain your credit reports each time the Applicant requests a loan, during the processing or closing of a loan to the Applicant, or at various times during the term of the Applicant's loan in connection with the servicing, monitoring, collection or enforcement of the loan. 

Credit scoring, based on personal credit data of each Guarantor, may be used in the evaluation of a credit request by the Applicant. We may report information about a Guarantor to consumer credit bureaus. Late payments, missed payments, or other defaults on a transaction account may be reflected in one or more credit report of each Guarantor. 

 

Authorization to Refer to Third Party

By selecting the option on the Business Financial Consulting application referring to this notice and continuing with the application process, each Guarantor in connection with the Applicant understands and agrees that you are authorizing Business Financial Consulting or its agents to refer the contact information of the Guarantor and the Applicant and basic company information of Applicant to third parties that may contact the Guarantor or the Applicant to inquire about interest in financing.

 

Conditions of Website Use
By using the Website you are agreeing to (a) the Terms and (b) applicable laws, regulations and generally accepted online business practices. Accordingly, you understand that:

  1. You agree that any information that you provide (about your identity, finances, business performance, corporate ownership structure, etc.) is accurate, correct, and up to date.  You are 18 years of age or older; able to form a binding contract with us; and are acting on your own.

  2. Accessing the information, resources, services, products and tools of this Website by any other means than we provide is strictly prohibited. You specifically agree not to access or tamper or attempt to tamper with the Website, for any purpose, through any automated, unethical or unconventional means, including accessing or collecting personally identifiable information, e-mail addresses or other personal, financial or contact information with respect to Business Financial Consulting users, borrowers, investors, lenders or employees.

  3. Except as explicitly permitted by the Terms, you agree not (and may not allow others) to sell, copy, modify, correct, enhance, create derivative works from, publish, store or in any way distribute or otherwise exploit, including for any purpose competitive to Business Financial Consulting or any commercial purpose any information or any other intellectual property from or on the Website (including the Content, any software on the Website and any products or services sold or offered by Business Financial Consulting, collectively, “Business Financial ConsultingIP”).

  4. Without Business Financial Consulting’s prior written consent, you agree not to (i) decompile, reverse engineer, convert or otherwise extract or disclose the underlying script, code (whether binary, assembly, source, object, HTML or otherwise) or structure of any Business Financial Consulting IP or (ii) remove or alter authorship attribution or copyright notices or similar information on the Website or any products or materials embodying or containing any Business Financial Consulting IP.

  5. You agree not to violate, interfere with, impair or circumvent the ordinary operation, security, privacy or mission of the Website or Business Financial Consulting’s products, services or data, including overburdening, spamming, engaging in a denial or service attack or similar activities (or attempt to do any of the above).

  6. You agree that you will not transmit to Business Financial Consulting or make available on or upload any information to the Website that: (i) is commercial or promotional in nature (without the prior written authorization of Business Financial Consulting); (ii) is unlawful, harmful, deceptive, or otherwise violates the legal rights or privacy of others or capable of giving rise to legal action whether against you or Business Financial Consulting or any affiliate third party; (iii) infringes any patent, trademark, trade secret, copyright, or other property rights of any party; (iv) impersonates any person or entity (including Business Financial Consulting or its employees and representatives); or  (v) contains viruses, malware or any program, code or technology designed to disrupt, intercept, impair or destroy the functionality of the Website or its software, data or network.

  7. Business Financial Consulting reserves the right to edit, restrict or remove any content you provide for any reason at any time. In addition, Business Financial Consulting does not control any information provided by other users that may be made available on or through the Website. Notwithstanding Business Financial Consulting’s rights under the Terms, Business Financial Consulting does not undertake, and shall not be obligated, to monitor the submission of any content to, or the publication of any content on, the Website at any time.  Business Financial Consulting reserves the right to refuse service, terminate relationships, and/or cancel orders or transactions in its discretion.

  8. By submitting information, feedback or other material to Business Financial Consulting, if any, including on or through the Website, you: (i) acknowledge that such information is non-confidential, except for any personal financial information; (ii) grant Business Financial Consulting a perpetual, worldwide, royalty-free, irrevocable, transferable, sublicenseable, fully paid-up right to copy, use, reproduce, modify, adapt, publish, create derivative works from, translate, transmit, display, distribute, market, promote, sell or offer for sale, rent or lease such information or materials or any portions thereof (including any ideas for new products or modifications to existing products) and/or products or services which practice or embody, or are configured for use in practicing, such information or materials or any portion thereof, in any form or medium known or later developed, in furtherance of the terms of the Terms and the actions and transactions contemplated hereby, including the right to bring an action for infringement of these rights; and (iii) agree that you will have no claim against Business Financial Consulting or any Released Party (as defined below) for any actual or alleged infringement of any proprietary rights, rights of privacy or publicity, moral rights or rights of attribution in connection with our use of any content you provide. 

 

For purposes of the Terms, the “Content” shall include all contents of the Website, including any logos, identifying marks, images, illustrations, designs, icons, photographs, videos, text and other written and multimedia materials, all of Business Financial Consulting information (including rate information) and requirements, products, services, advertising materials or collateral, help guidelines, user documentation and customer and technical support documents, and the Website’s likeness, look and feel, format, layout, software, code (whether binary, assembly, source, object, HTML or otherwise), routines, scripts, software, platforms and applications, as well as any data, files, archives, folders or downloads available on the Website.

 

Subject to the terms and conditions of the Terms, we grant you a limited, non-transferable, non-sublicenseable, non-exclusive, revocable license to use the Website and the Content for persons who seek to enter into or have entered into loans, seek to or have become investors / lenders or any person interested in learning more about Business Financial Consulting, its products and services, until such time as the Terms terminate or expire or your right to use or access the Website is terminated in accordance with the Terms. 

 

Electronic Communication
You acknowledge and agree that certain communications between you and Business Financial Consulting are electronic. You consent to receive communications from Business Financial Consulting in an electronic form, including e-mail. You agree that