Please read these Terms of Use carefully. By accessing this site or using our services, you agree to these terms. If you do not agree, please refrain from using this site.
These Terms of Use govern your access and use of Before Business Bankruptcy’s website and related platforms. They do not alter any existing agreements you have with Before Business Bankruptcy. By using our services, you agree to resolve disputes through individual arbitration and waive the right to participate in class action lawsuits or jury trials.
Eligibility and Appropriate Use By using this website, you confirm that you are at least 18 years old and that the information you provide is accurate and complete. Misrepresentation or impersonation, including of Before Business Bankruptcy staff, is strictly prohibited and may result in termination of access. You agree not to engage in activities that could harm the website or disrupt its functionality. While Before Business Bankruptcy aims to maintain a secure platform, it cannot guarantee the security or confidentiality of online communications and is not responsible for any transmitted information.
Ownership and Intellectual Property Before Business Bankruptcy owns and operates this website, and all content is protected by applicable intellectual property laws, including but not limited to copyrights, trademarks, and patents. Unless specifically permitted, you are prohibited from selling, modifying, distributing, or using the website’s content for any unauthorized purpose.
Third-Party Links and Content This website may contain links to third-party websites. Before Business Bankruptcy does not control or endorse these websites and is not responsible for their content, availability, or any interactions between users and third parties. You use third-party links at your own risk and agree to hold Before Business Bankruptcy harmless in these situations.
Licensed Use Before Business Bankruptcy grants you a limited, non-exclusive, revocable license to access and use the website for personal use only. Unauthorized commercial use, sublicensing, or creating derivative works from the website’s content is prohibited. We reserve the right to restrict access to users who violate these terms.
Prohibited Conduct You agree to only use the website for its intended purposes. You must not submit illegal or harmful content, attempt to breach security measures, or overload the system infrastructure. Automated systems used to collect personally identifiable information or interfere with site functionality are also prohibited.
User Feedback If you provide feedback or suggestions regarding our website or services, that information will be considered non-confidential and become the property of Before Business Bankruptcy. We may use your feedback in any manner without any obligation to you.
Indemnification You agree to indemnify Before Business Bankruptcy, its employees, and affiliates against any claims or damages resulting from your use of the website or violation of these Terms of Use. We reserve the right to take over the defense of any claims, with notice to you.
Disclaimers and Limitations of Liability Before Business Bankruptcy provides the website “as is” and does not guarantee uninterrupted or error-free service. All warranties, express or implied, are disclaimed, including fitness for a particular purpose. Before Business Bankruptcy is not liable for any damages, including data loss or system failure, that may arise from your use of the website. Our total liability is limited to the amount you paid for using the website or $200, whichever is less.
Arbitration Agreement Please read this section carefully as it affects your legal rights. You and Before Business Bankruptcy agree to resolve disputes through binding arbitration rather than through court proceedings, including class action lawsuits. Arbitration will take place in Palm Beach County, Florida under the rules of the American Arbitration Association or another mutually agreed upon neutral party. The arbitrator’s decision will be final, and judgment may be entered in any court of competent jurisdiction.
Class Action Waiver By using this website, you waive the right to participate in any class or representative action against Before Business Bankruptcy. In the event of a class action, the party initiating or participating will not be entitled to recover attorneys’ fees or costs.
Privacy Policy Please review our Privacy Policy to understand how we collect and use your personal data. By using the website, you agree to the terms outlined in our Privacy Policy.
Notices Before Business Bankruptcy may send notices via email, regular mail, or website postings. You agree to receive such notices, and any legal communications must be addressed to our mailing address.
Governing Law and Jurisdiction These Terms of Use are governed by the laws of the State of Florida, USA. You agree that any legal action will be brought in federal or state courts located in Palm Beach County, FL. By using this website, you consent to the jurisdiction of these courts.
Severability and Waiver If any portion of these Terms of Use is found to be invalid, the rest of the terms will remain in effect. Before Business Bankruptcy’s decision not to enforce any provision of these terms does not constitute a waiver of future enforcement.
Changes to the Website and Terms Before Business Bankruptcy reserves the right to modify these Terms of Use at any time. You are encouraged to review these terms regularly. Continued use of the website constitutes your acceptance of any changes.
Termination These Terms of Use take effect when you begin using the website. Before Business Bankruptcy reserves the right to terminate your access at any time for any reason. Certain sections, such as Indemnification and Arbitration, will survive termination.
By using this website, you acknowledge that you have read and agree to these Terms of Use.
501(c)(3) Non-profit Credit Counseling Organization.
We are not a licensed law firm. Privacy Policy | Terms of Use
IMPORTANT DISCLAIMERS: Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients that remain in good standing in the program and settle their debt may realize savings of 57% before program fees, or 27% including program fees, over a period of 24 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their inability to save sufficient funds. Estimates are based on prior results, which vary based on individual circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a certain time frame. We do not assume your debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, or legal advice, or credit repair services. Not available in all states. Please consult a tax professional to discuss any tax consequences of settlement. Please consult a bankruptcy attorney for more information on bankruptcy. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. The Company and its affiliates are not lenders, creditors, or debt collectors. This is not a loan. Testimonials are actual customer experiences and individual opinions and may not be illustrative of all experiences with the Company or its affiliates.
