Welcome to fcbfl.com. By accessing or using this website, you agree to be bound by these Terms of Service (“Terms”). Please read these Terms carefully before using our website. If you do not agree to these Terms, you are not authorized to access or use fcbfl.com.
1. Acceptance of Terms
These Terms of Service constitute a legally binding agreement between you and fcbfl.com (referred to as “we,” “us,” or “our”) governing your use of our website, including all content, features, and services offered. By accessing or using fcbfl.com, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using fcbfl.com on behalf of an organization, you are agreeing to these Terms for that organization and promising that you have the authority to bind that organization to these terms. In that case, “you” and “your” will refer to that organization.
We reserve the right to modify these Terms at any time without prior notice. We will post the updated Terms on this page and indicate the date of the latest revision. Your continued use of fcbfl.com after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for changes. If you do not agree with any modifications to these Terms, you must stop using fcbfl.com immediately.
2. Use License
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use fcbfl.com for your personal or internal business purposes. This license allows you to view the content available on fcbfl.com and, where explicitly permitted, to download or print copies of content for your personal or internal business use. You must retain all copyright and other proprietary notices contained in the original content on any copies you make.
This license is not a transfer of title, and you may not:
- Modify or copy the materials;
- Use the materials for any commercial purpose, or for any public display (commercial or non-commercial) without express written consent from fcbfl.com;
- Attempt to decompile or reverse engineer any software contained on fcbfl.com;
- Remove any copyright or other proprietary notations from the materials; or
- Transfer the materials to another person or “mirror” the materials on any other server.
We reserve the right to terminate this license at any time if you violate any of these Terms. Upon termination, you must immediately destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer (Warranties)
The materials on fcbfl.com are provided on an “as is” and “as available” basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Further, we do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on fcbfl.com or otherwise relating to such materials or on any sites linked to this site.
We do not warrant that fcbfl.com will be uninterrupted or error-free, that defects will be corrected, or that fcbfl.com or the server that makes it available are free of viruses or other harmful components. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
4. Limitations of Liability
In no event shall fcbfl.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on fcbfl.com, even if we or a fcbfl.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
To the fullest extent permitted by applicable law, our total liability to you for any and all claims arising out of or relating to your use of fcbfl.com shall not exceed the amount you paid, if any, to us for access to or use of fcbfl.com during the six (6) months prior to the event giving rise to the liability.
We are not responsible for the actions, content, information, or data of third parties, and you release us, our directors, officers, employees, and agents from any claims and damages, known and unknown, arising out of or in any way connected with any claim you have against any such third parties.
5. Revisions and Errata
The materials appearing on fcbfl.com could include technical, typographical, or photographic errors. We do not warrant that any of the materials on our website are accurate, complete, or current. We may make changes to the materials contained on fcbfl.com at any time without notice. We do not, however, make any commitment to update the materials.
6. Links to External Sites
fcbfl.com may contain links to third-party websites or resources. These links are provided solely as a convenience to you and do not constitute an endorsement by us of the content, products, or services offered on those websites. We have no control over the content of these external sites and are not responsible for their availability, accuracy, or legality. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or resources.
When you access a non-fcbfl.com website, even one that may contain our logo, please understand that it is independent from fcbfl.com, and that we have no control over the content on that website. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
7. Site Terms of Use Modifications
We may revise these Terms of Use for fcbfl.com at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service. It is your responsibility to check this page periodically for changes.
8. Governing Law
These Terms of Service and your use of fcbfl.com shall be governed by and construed in accordance with the laws of the State of [Insert State Name], without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to these Terms or your use of fcbfl.com shall be brought exclusively in the federal or state courts located in [Insert County/City, State Name], and you irrevocably submit to the jurisdiction of such courts.
9. Privacy Policy Reference
Your privacy is important to us. Please review our Privacy Policy, which is incorporated into these Terms by reference, to understand our practices regarding the collection, use, and disclosure of your personal information. You can find our Privacy Policy at [Link to Privacy Policy]. By using fcbfl.com, you consent to the practices described in the Privacy Policy.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. These Terms constitute the entire agreement between you and fcbfl.com relating to your use of our website and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us with respect to fcbfl.com.