Terms of Service
Effective Date: January 1, 2024
Welcome to CBO Financial, Inc. (“CBO Financial” or “we” or “us”). By accessing or using our website (https://cbofinancial.com/) and the services provided through it (“Services”), you agree to be bound by the following Terms of Service (“Terms”). Please read them carefully.
1. Acceptance of Terms
By accessing, using, or registering on our website, you confirm that you have read, understood, and agree to these Terms, as well as our Privacy Policy. If you do not agree to these Terms, you must discontinue using our website and services immediately.
2. Modifications to the Terms
CBO Financial reserves the right to modify or update these Terms at any time without prior notice. Changes will be effective upon posting to our website. Continued use of the website after any changes indicates your acceptance of the new Terms.
3. Services Provided
CBO Financial specializes in financial consulting, including but not limited to New Markets Tax Credits (NMTC) financing solutions, community development strategies, and advisory services for commercial projects. The information provided on our website is for informational purposes only and does not constitute financial, legal, or professional advice.
4. Eligibility
To use our Services, you must be at least 18 years old and have the legal authority to enter into these Terms. By using the Services, you represent and warrant that you meet these eligibility requirements.
5. Use of the Website
5.1 Permitted Use
You may use our website solely for lawful purposes and in accordance with these Terms.
5.2 Prohibited Activities
You agree not to:
- Use the website for fraudulent or illegal purposes.
- Access or attempt to access restricted areas of the website.
- Upload or distribute viruses, malware, or harmful code.
- Use automated tools, bots, or scrapers to access the website.
- Engage in any activity that disrupts or interferes with the website’s functionality.
6. Intellectual Property
All content on the website, including but not limited to text, graphics, logos, and software, is the property of CBO Financial or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of the content without prior written consent.
7. Third-Party Links
Our website may contain links to third-party websites or resources. These links are provided for your convenience and do not imply endorsement by CBO Financial. We are not responsible for the content, accuracy, or availability of these third-party websites.
8. Disclaimer of Warranties
The website and Services are provided on an “as-is” and “as-available” basis without warranties of any kind, express or implied. CBO Financial does not guarantee the accuracy, reliability, or completeness of the information provided on the website.
9. Limitation of Liability
To the fullest extent permitted by law, CBO Financial shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website or Services. This includes, but is not limited to, loss of profits, data, or goodwill.
10. Indemnification
You agree to indemnify, defend, and hold harmless CBO Financial and its affiliates, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of your use of the website or violation of these Terms.
11. Termination
CBO Financial reserves the right to terminate or suspend your access to the website or Services at our sole discretion, without prior notice, for any violation of these Terms or any other reason deemed necessary.
12. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert Location].
13. Privacy Policy
Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.
14. Contact Us
If you have any questions about these Terms or our Services, please contact us:
CBO Financial, Inc. Email: [Insert Email Address] Phone: [Insert Phone Number] Address: [Insert Address]
By using the website and Services, you acknowledge that you have read, understood, and agreed to these Terms of Service.