Terms of Use


Acceptance of the Terms of Use

These terms of use (Terms of Use”) are entered into by and between Stafford Business Funding, LLC (“Stafford,” “we,” or “us”) and the Website (defined below) visitor/user (“you” or “user”). The following terms and conditions, together with the Privacy Policy govern your access to and use of staffordbusinessfunding.com including any content, functionality, or other online products and services (collectively “Services”) offered on or through staffordbusinessfunding.com and any pages thereof (the “Website“), whether as a guest or a registered user.


Please read the Terms of Use and the Privacy Policy carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and the Privacy Policy. If you do not want to agree to these Terms of Use or the Privacy Policy you must not access or use the Website.


This Website is offered and available to users who are 18 years of age or older and are located in the United States. By using this Website, you represent and warrant that you are of legal age and are located in the United States. If you do not meet both of these requirements, you must not access or use the Website.

 

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion without notice. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.

 

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.


You are responsible for both:

·     Making all arrangements necessary for you to have access to the Website.

·     Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.


To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy and you consent to all actions we take with respect to your information consistent with our Privacy Policy.


If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.


We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

 

Ownership

Stafford retains all right, title and interest in this website and its content, designs and layouts, functions, graphics, photographs, music, sound, features and services offered on this Website, including any and all copyright, trademark and other intellectual property rights. Stafford reserves all rights not expressly granted. All third-party trademarks, service marks, trade names, logos, or other designations of source are the property of their respective owners. Nothing on any Site shall be construed as granting any license or right not expressly set forth herein.

 

Authorized Use

You are granted a limited license to access and use the website, and to download or print a copy of any portion of the content solely for your personal or informational use, provided that you keep all copyright or other proprietary notices intact. You may not copy, display, modify, publish, reproduce, store, transmit, post, create other derivative works from, or sell, rent or license any part of the content obtained from the website in any medium to anyone, except as otherwise expressly permitted under these Terms of Use, relevant license or authorization by Stafford. Said limited license is subject to these Terms of Use, and does not include use of any data mining, robots, or similar data gathering or extraction methods.


You further agree that you will NOT do any of the following:

·     Use the Website in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).


·     Use the Website to send, knowingly receive, upload, download, use, or re-use any material that does not comply with these Terms of Use.

 

·     Use the Website to transmit, or procure the sending of, any advertising or promotional material including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.

 

·     Use the Website to impersonate or attempt to impersonate Stafford, a Staffird employee, another user, or any other person or entity (including, without limitation, by using email addresses [or screen names] associated with any of the foregoing).

 

·     Use the Website to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Libertas users of the Website, or expose them to liability.

 

·     Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities that may be available through the Website.

 

·     Collect email addresses or other contact information of portal users from the website by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications.

 

·     Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

 

·     Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.

 

·     Use any device, software, or routine that interferes with the proper working of the Website.

 

·     Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

 

·     Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.

 

·     Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

 

·     Otherwise attempt to interfere with the proper working of the Website.

 

·     Use automated scripts to collect information from the website or for any other purpose.

 

·     Register for more than one portal user account, register for a portal user account on behalf of an individual other than yourself, or register for a portal user account on behalf of any group or entity.

 

·     Impersonate any person or entity or falsely state or otherwise misrepresent yourself, your age, or your affiliation with any person or entity.

 

·     Upload, post, transmit, share, or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation.

 

·     Upload, post, transmit, share, store, or otherwise make publicly available on the website any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, social security numbers, and credit card numbers.

 

·     Upload, post, transmit, share, or otherwise make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.

 

·     Use or attempt to use another’s account, service, or system without authorization from Stafford, or create a false identity on the website.

 

·     Upload, post, transmit, share, store, or otherwise make available content that, in the sole judgment of Stafford, is objectionable or which restricts or inhibits any other person from using or enjoying the website, or which may expose Stafford or its affiliates, licensors and their respective officers, directors, employees, agents and representatives, or website users to any harm or liability of any type.

 

Stafford reserves the right, in its sole discretion, to restrict, in whole or in part, your use of the Site, any Site Content, any Portal, and any third-party’s User Content at any time with or without notice for any or no reason.

 

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who maybe informed of any of its contents.


This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Stafford, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Stafford. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

 

Geographic Restrictions

The owner of the Website is based in the State of New York in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

 

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links which may contain advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

 

Feedback

Stafford may offer the opportunity to provide feedback as a part of its services. By providing feedback to Stafford, you give a non-exclusive, irrevocable, perpetual and sub-licensable right for us to share the information in any format and for any purpose, including but not limited to, advertising use. No compensation will be paid to you for your submission, and Stafford is under no obligation to use or post any information provided.


You warrant that you own or control all of the rights to all content, photographs, videos or images, and that such content, photographs, videos and images do not infringe upon the intellectual property rights of any third parties. You agree to indemnify Stafford, our affiliates, agents and partners for any and all claims resulting from the content you submit.


You may not post content that is unlawful, obscene, threatening, inflammatory, libelous, defamatory, or that includes any misleading information. Stafford may remove any submission at any time in its sole discretion.

 

Account Security

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 Stafford 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 Stafford account, password, user ID or any credit or charge card numbers provided to Stafford by calling ;

b)   Ensure your exit from your account as applicable at the end of each session; and

c)    Periodically change your password.


You authorize Stafford to provide information about and make changes to Stafford account including adding new services on the direction of any person able to provide information we deem sufficient to identify you.


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.

 

Credit Application Disclaimer

Your submission of an electronic funding application through the Website shall have the same force and effect as if the application bore an inked original signature. You certify that your Account will be used solely for business and commercial purposes. The applicant, or the person submitting the application if not the applicant, hereby represents and warrants that the applicant(s), owner(s) and indemnitor(s) (if any) have expressly authorized the applicant to enter into contracts on behalf of the business, and that Stafford and its assigns, including select other finance companies, may consider this information as true, accurate, and complete in all respects, until the undersigned provides the Stafford with a written notice of change. Each applicant authorizes the Stafford to: (1) obtain at any time, now or in the future, investigative reports and credit reports through a credit agency chosen by the Stafford, and (2) investigate any references or other information obtained from or about the applicant and the business (including contacting the current payment processor of the business to verify processing history) for purposes of the application. The applicant acknowledges that, based upon such information and other factors which may apply, Stafford, in its sole discretion, may either grant or decline to provide funding. By submitting an electronic application, the applicant agrees to receive updates from Stafford and its partners regarding the application via US mail, telephone, fax, or email. If the applicant has provided a mobile device number, applicant expressly agrees to receive voice and/or text message communications at that number from the Stafford and its authorized agents. If your funding application is approved and you choose to accept funding from Stafford, you will be required to enter into a separate funding agreement with Stafford.

 

Electronic Communications

By using parts of this website, or sending e-mails to Stafford, 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 Stafford 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 Stafford by telephone at 732-795-9980.


Telephone Communications

You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls and SMS messages (including text messages) from Stafford, its affiliates, marketing partners, agents and others calling at Stafford’s request or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You may opt out of receiving calls and marketing from Stafford and its affiliates, marketing partners, agents and others as provided in the Privacy Policy or by contacting us directly.

 

Disclaimer of Warranties


You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUETO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO OR FROM IT.


YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THEWEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER STAFFORD NOR ANY PERSON ASSOCIATED WITH STAFFORD MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER STAFFORD NOR ANYONE ASSOCIATED WITH STAFFORD REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVERS THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.


TO THE FULLEST EXTENT PROVIDED BY LAW, STAFFORD HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.


THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

Limitation On Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL STAFFORD, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS,AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS,AGENTS, LICENSORS, SUPPLIERS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE),BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.


THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

Indemnification

YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS STAFFORD, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS,AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, SUPPLIERS, SUCCESSORS, AND ASSIGNS FROM AND AGAINST ANY CLAIMS, LIABILITIES, DAMAGES, JUDGMENTS, AWARDS, LOSSES, COSTS, EXPENSES, ORFEES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING OUT OF OR RELATING TO YOUR VIOLATION OF THESE TERMS OF USE OR YOUR USE OF THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, YOUR USER CONTRIBUTIONS, ANY USE OF THE WEBSITE’S CONTENT,SERVICES, AND PRODUCTS OTHER THAN AS EXPRESSLY AUTHORIZED IN THESE TERMS OF USE, OR YOUR USE OF ANY INFORMATION OBTAINED FROM THE WEBSITE.

 

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule(whether of the State of New York or any other jurisdiction).


Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York, in each case located in New York City, New York, although we reserve the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your state country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

 

Arbitration

At Stafford’s sole discretion, it may require You to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying New York law.

 

 

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

 

Waiver and Severability

No waiver by Stafford of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Stafford to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.


If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

 

Entire Agreement

The Terms of Use, our Privacy Policy, and Terms of Service constitute the sole and entire agreement between you and Stafford regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

 

 Contact Us

If you have any questions about these Terms, please email us at contact@staffordbusinessfunding.com or call us at 732-795-9980, or send a letter to:

Stafford Business Funding, LLC

516 Bay Ave, Unit A

Point Pleasant Beach, NJ 08742