1. COPYRIGHT AND TRADEMARK
Unless otherwise noted, all materials on this site are protected as the copyright, trade dress, trademarks and/or other intellectual properties owned by Fora Financial and/or its subsidiaries and affiliates or by other parties that have licensed their material to Fora Financial.
Fora Financial’s marks on this site represent some of the marks currently owned or controlled in the United States. The display of these marks and of notices associated with these marks is not intended to be a comprehensive combination of all of Fora Financial’s proprietary ownership rights and Fora Financial may own or control other proprietary rights in one or more countries outside of the United States. You may not reproduce, redistribute or otherwise use any materials without the express written consent of Fora Financial or rights not exclusively granted are reserved.
2. PRIVACY AND SECURITY
3. WARRANTY DISCLAIMER & LIMITATION OF LIABILITY
You agree that your use of the website and services shall be at your sole risk. Except as otherwise expressly stated with respect to our products, all contents of this site are offered on an “as is” basis without any warranty whatsoever, either express or implied. Fora Financial makes no representations, express or implied, including, without limitation, implied warranties of marketability and fitness for a particular purpose.
Fora Financial makes no warranties or representations of any kind that the services provided by this website or any link site will be uninterrupted, error-free or that the site or server that hosts the site are free from virus or other forms of harmful computer code or other harmful components, or that defects will be corrected even if Fora Financial is aware of them.
In no event shall Fora Financial, its officers, members, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, consequential damages, or attorneys’ fees arising out of or relating to these terms, access to, use of, or the operation of any site, any of the site content, or user content. Your sole and exclusive remedy and Fora Financial’s sole and exclusive liability to you for any reason shall be for you to discontinue your access to or use of the site. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
In the event State law does not allow the exclusion or limitation of liability for consequential or incidental damages, Fora Financial’s liability shall be limited and warranties are excluded to the fullest extent permitted by law, but shall in no event exceed $100.00.
You agree that any cause of action arising out of or related to Fora Financial, any website, or any website content or user content must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
5. UNLAWFUL OR PROHIBITED USE
6. EXTERNAL LINKS
You understand and agree that Fora Financial and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose, and that Fora Financial has the authority for the foregoing in connection with any update, renewal, or extension of the credit to the company on whose behalf you are applying for credit. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that Fora Financial is making no commitment or guarantee that any product, evaluation, or guidance provided by Fora Financial will result in an approval for funding.
8. ACCOUNT SECURITY
Customer Duty – You agree to keep confidential all passwords, user IDs, IP addresses and other account identifiers and are solely responsible for any liability or damages resulting from your failure to maintain that confidentiality. You are solely and fully responsible and liable for all activities that occur under your Fora Financial account, password, user ID or IP address. You agree to:
(a) Immediately notify Fora Financial if you suspect any breach of security such as loss, theft, public use (unrestricted, open, communal or shared use by third parties unrelated and/or not affiliated with the customer either for profit or not-for-profit) or unauthorized disclosure or use of your Fora Financial account, password, user ID or any credit or charge card numbers provided to Fora Financial by calling 212-947-0100;
(b) Ensure your exit from your account as applicable at the end of each session; and
(c) Periodically change your password.
Account Access – You authorize Fora Financial to provide information about and make changes to your Fora Financial account including adding new services on the direction of any person able to provide information we deem sufficient to identify you.
Assumption of Risk – There is a risk that other(s) may attempt to access your services, such as through the internet or connected networks. You acknowledge this risk is inherent to the shared nature of the services and you agree to take full responsibility for taking adequate security precautions and safeguarding your data.
9. ELECTRONIC COMMUNICATIONS
By using parts of this website, or sending e-mails to Fora Financial, you agree to receive communications from us electronically, and that all agreements, notices, disclosures and other communications that we, our affiliates, partners or independent contractors provide to you electronically satisfy any legal requirement that such communication be in writing and are effective immediately.
You have the right to withdraw your consent to receive disclosures and submit information electronically. You may withdraw your consent by contacting the Company in writing. If you choose to withdraw your consent, you will not be able to make any requests through our website. If you have a pending request on our website, we will terminate it and remove it from our system. If you have already received funding, all previously agreed to terms and conditions will remain in effect, and we will send disclosures to your verified business address provided during registration.
You may obtain a free copy of your electronic application by contacting the Company in writing at 519 Eighth Avenue, 11th Floor, New York, NY 10018 or by telephone at 212-947-0100.
10. TELEPHONE COMMUNICATIONS
11. GOVERNING LAW AND FORUM
Jurisdiction – Any dispute arising from these terms shall be resolved exclusively in the State and Federal Courts of the State of New York. Furthermore, these terms and the interpretation, performance and enforcement of your and Fora Financial’s rights and duties shall be construed in accordance with the laws of the State of New York except for the conflict or choice of law principles thereof.
12. FEEDBACK AND SUBMISSIONS
You agree you are and shall remain solely responsible for the content of any submissions you make and you will not submit material that is unlawful, defamatory, abusive or obscene. You agree that you will not submit anything to the site that will violate any right of any third party, including copyright, trademark, privacy or any other personal or proprietary rights.
13. FORCE MAJEURE
Fora Financial shall not be liable for any failure or delay in performance due in whole or in part to any cause beyond the reasonable control of such party or its contractors, agents or suppliers, including but not limited to utility or transmission failures, power failure, strikes or other labor disturbances, acts of God, acts of war or terror, floods, sabotage, fire, natural or other disasters.
14. CONTACTING FORA FINANCIAL
In the event you should have any questions about these terms, please contact us at 212-947-0100. To inquire about linking to our site or about copyright or trademark matters, please contact us at info@ForaFinancial.com.
Last modified: July 12, 2016
Fora Financial and its affiliates, assigns, agents, designees, and successors, (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide when you visit the website www.forafinancial.com (our “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information.
This policy applies to information we collect:
It does not apply to information collected by:
Children Under the Age of 13
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at opt-out@ForaFinancial.com.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including information:
We collect this information:
Information You Provide to Us. The information we collect on or through our Website may include:
You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.
Information We Collect Through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:
We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).
The information we collect automatically is statistical data and may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
The technologies we use for this automatic data collection may include:
We do not collect personal Information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you.
We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may also disclose your personal information:
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
Accessing and Correcting Your Information
You may also send us an e-mail at info@ForaFinancial.com to request that we correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Your California Privacy Rights
California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail info@ForaFinancial.com or write us at: Fora Financial 519 Eighth Avenue, 11th Floor, New York, NY 10018.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. [All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
By email: info@ForaFinancial.com
By telephone: 212-947-0100
By mail: Fora Financial 519 Eighth Avenue, 11th Floor, New York, NY 10018