Welcome to www.lbf.com. The www.lbf.com website (the "Site") is comprised of various web pages operated by LBF Financial Services www.lbf.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”).
Your use of www.lbf.com constitutes your agreement to all such Terms. Please read carefully, and keep a copy of them for your reference.
www.lbf.com is a Finance Company Site
LBF Financial Services is a state-licensed online and offline financial company. We are recognized as a personal loan provider with quality, professionalism and ethical practice. All of our personal loans are offered at competitive prices within the prevailing statutory rates.
Visiting www.lbf.com or sending emails to LBF Financial Services constitutes electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email or on the Site, satisfy any legal requirement that such communications be in writing.
LBF Financial Services does not knowingly collect, either online or offline personal information from persons under the age of thirteen. If you are under 18, you may use www.lbf.com only with permission of a parent or guardian.
Links to third party sites / Third party services
www.lbf.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of LBF Financial Services and LBF Financial Services is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. LBF Financial Services is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by LBF Financial Services of the site or any association with its operators.
Certain services made available via www.lbf.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.lbf.com domain, you hereby acknowledge and consent that LBF Financial Services may share such information and data with any third party with whom LBF Financial Services has a contractual relationship to provide the requested product, service or functionality on behalf of www.lbf.com users and customers.
No unlawful or prohibited use. Intellectual Property.
You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
All content included as part of the Service, such as text, graphics, Iogos, images, as well as compilation thereof, and any software used on the Site, is the property of LBF Financial Services or its affiliates and suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends and other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. LBF Financial Services content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and it particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of LBF Financial Services and the copyright owner.
You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of LBF Financial Services or our licensors except as expressly authorized by these Terms.
The Service is controlled, operated and administered by LBF Financial Services from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the LBF Financial Services Content accessed through www.lbf.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless LBF Financial Services, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. LBF Financial Services reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject of indemnification by you, in which event you will fully cooperate with LBF Financial Services in asserting any available defenses.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LBF Financial Services AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
LBF Financial Services AND/OR ITS AFFILIATES AND SUPPLIERS MAKE NO REPRESENTATIONS ABOUf THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF AN KIND. LBF Financial Services AND/OR ITS AFFILIATES OR SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARS TO THIS INFORMATION, SOFTWARE, PRODICTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICLAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM ESTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LBF Financial Services AND/OR ITS AFFILIATES/SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATIONS, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILIRE TO PROVIDE SERVICES OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLICENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LBF Financial Services OR ANY OF ITS AFFILIATES/SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
Termination / access restriction
LBF Financial Services reserves the right in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted bvy law, this agreement is governed by the laws of the State of Florida and you hereby consent to the exclusive jurisdiction and venue of courts in Florida in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnersh i p, employment, or agency relationship exists between you and LBF Financial Services as a result of this agreement or use of the Site. LBF Financial Services's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of LBF Financial Services's right to comply with governmental, court
and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by LBF Financial Services with respect to such use.
If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and LBF Financial Services with the respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written between the user and LBF Financial Services with the respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same consitions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
LBF Financial Services reserves the right, in its sole discretion, to change the Terms under which www.lbf.com is offered. The most current bersion fo the Terms will supersede all previous versions. LBF Financial Services encourages you to periodically review the Terms to stay informed of our updates.
LBF Financial Services welcomes your questions and comments regarding the Terms to the address below:
LBF Financial Services
1451 Ocean Drive Suite 200
Miami Beach, FL 33139
We collect information from you when you register on our site or fill out a form.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number or social security number.
WE ALSO HAVE TO LIST HERE ALL THE THIRD PARTY WEBSITES THAT ARE COLLECTING INFO OR COOKIES (if that's the case, or any other third party website)
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
• To personalize your experience
(your information helps us to better respond to your individual needs)
• To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you)
• To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs)
• To process transactions
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
• To send periodic emails
The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Children Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Children Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at www.lbf.com
LBF Financial Services
1451 Ocean Drive Suite 200
Miami Beach, FL 33139
Email address: firstname.lastname@example.org
Phone number: 305-900-3151
Effective as January 1, 2015