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Terms of use

FINBOA Terms of Use

Version 1.0 (Updated: January 2026 ) These terms and conditions (“Terms”) are entered into between you and FINBOA, Inc. (“FINBOA”). These Terms govern your access to and use of FINBOA’s website www.finboa.com, including all web pages, content, software, documentation, materials and services available on or through the website (collectively, the “Website”). Please read these Terms carefully before accessing or using the Website. By accessing or using the Website, you accept and agree to these Terms. If you do not agree to these Terms, do not access or use the Website.

FINBOA may revise and update (collectively “Updates”) these Terms from time to time in FINBOA’s sole discretion without notice to you. It is your responsibility to check the Website periodically for Updates. All such Updates shall be effective upon posting on the Website. Your continued use of the Website after Updates are posted is your agreement to such Updates. Do not access or use the Website if you do not agree to the Updates.

 

1. INTELLECTUAL PROPERTY

1.1 Ownership

The Website and all features and functionality thereof are owned by FINBOA, its licensors and/or other third parties who have licensed, assigned or otherwise provided content to FINBOA, and is protected to the maximum extent permitted by United States and international intellectual property laws and related laws, including but not limited to laws governing copyright, trademark, patent, and trade secrets.

1.2 Trademarks

FINBOA owns multiple trademarks, service marks, and trade names which appear on the Website, including but not limited to the word “FINBOA”. All such trademarks are owned solely by FINBOA and may not be used by you without prior written consent of FINBOA. The Website may also include trademarks licensed by FINBOA. All such trademarks are the property of the respective owners of such trademarks. 

1.3 Feedback

You agree that any feedback, content, suggestions and/or ideas you provide to FINBOA whether on or through the Website, by email, or by any other means or format (“Feedback”) is non-confidential, non-proprietary, and upon submission to FINBOA will become solely owned by FINBOA to the fullest extent provided by law. You grant FINBOA a royalty-free, worldwide, perpetual, irrevocable right and license to use such Feedback to make, use, sell, reproduce, modify, adapt, publish, translate, create derivative works, distribute, communicate, perform, and display the Feedback in whole or in part, and to incorporate the Feedback in improvements to the Website and any other works in any other form, media or technology now known or later developed. All resulting content, improvements or otherwise are owned solely by FINBOA. By submitting the Feedback to FINBOA, you warrant and represent that all Feedback is owned by you and does not infringe upon the intellectual property rights or any other rights of a third party. 

2. WEBSITE

2.1 Use

These Terms permit you to use the Website only for your personal, non-commercial use. You are not permitted to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, reverse engineer, republish, download, store or transmit any of the materials on or from the Website, except that you may: 

  1. Download such materials temporarily into a web browser cache as part of normal website use;
  2. Download and/or print a single copy of such materials for your own personal, non-commercial use but such materials may not be reproduced, published, distributed or used in a way that otherwise violates the Terms;
  3. Store such materials temporarily or incidentally in RAM for your permitted use; and
  4. Download such materials expressly made available for download, but use of such materials is subject to these Terms

No right, title interest in or to such materials or any other part of the Website is transferred to you. All rights not expressly granted are reserved by FINBOA.

Any use of the Website not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark and other laws. If you breach these Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made, if any. 

2.2 Availability

FINBOA intends to make the Website available for use, excluding planned maintenance or circumstances beyond its control (e.g., force majeure), however FINBOA reserves the right to remove or make all or any part of the Website unavailable in FINBOA’s sole discretion without notice. FINBOA will not be liable for any issues that arise as a result of the Website being unavailable. The services referenced on the Website may not be available in every country where this Website may be viewed.

2.3 Security and Data Protection

FINBOA uses industry-standard security protocols to protect your data. All data collected is processed and handled per our Privacy Policy.

2.4 Modifications

FINBOA reserves the right to update or modify the Website from time to time. FINBOA but does not warrant or represent that the Website content is complete, accurate or current. You understand that the Website may be out of date at any given time and FINBOA is under no obligation to update it.

3. USER RESPONSIBILITIES

3.1 Restrictions

  1. You agree to only use the Website for lawful purposes subject to these Terms.
  2. You agree not to use the Website for any unlawful purpose.
  3. You further agree not to (1) reverse misuse, disrupt, monitor, harm, attempt to gain unauthorized access to, damage, or otherwise interfere with the proper working of the Website; (2) interfere with or disrupt the integrity or performance of the Website; (3) use the Website to violate any law(s); or (4) sell, sublicense, or otherwise provide access to the Website or third parties except as expressly permitted by the Terms. 

3.2 No Reliance on Information 

Use of the Website and reliance on the contents of the Website is at your own risk. The information provided on the Website is for informational purposes only. FINBOA makes no warranty regarding the accuracy, completeness, or usefulness of the information on the Website. FINBOA disclaims all liabilities and all responsibility arising from reliance on the content of the Website by you, any other visitor to the Website, and/or any other party informed of the contents of the Website. If the Website includes information or content from third parties, such third-party content does not necessarily reflect the opinion of FINBOA. FINBOA disclaims all liabilities and all responsibility arising from is reliance on such third-party content by you, any other visitor of the Website and/or any other party informed of such third-party content. 

3.3 Anti-Virus Protection 

You are responsible for implementing sufficient policies and procedures to satisfy your requirements for anti-virus protection and data retention. YOU RELEASE FINBOA FROM ANY LIABILITY FOR ANY LOSS OR DAMAGE CAUSED BY VIRUSES OR OTHER TECHNOLOGICAL HARM THAT MAY INFECT YOUR COMPUTER, COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, PROPRIETARY MATERIAL, OR OTHERWISE DUE TO YOUR USE OF THE WEBSITE OR ON ANY WEBSITE LINKED TO IT OR FILES DOWNLOADED FROM IT. 

3.4 Website Access

You may be asked to provide certain information to access certain parts of the Website. It is a condition of your use of the Website to provide correct and complete information. All such information is governed by our Privacy Policy. 

3.5 Links

  1. You may link to the Website if in a way that is fair, legal and not harmful in any way to FINBOA. Any links in violation of this policy must be immediately removed.
  2. You may not link or otherwise act in a way that suggests any form of association, approval or endorsement on the part of FINBOA.

3.6 General

FINBOA operates and maintains the Website in part in Houston, Texas. If you access this website from outside of the United States, you are responsible for compliance with all relevant laws and regulations.

4. Disclaimers and Limitations

4.1 Disclaimer of Warranties 

YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED AND NO WARRANTIES ARE MADE BY FINBOA OR ANY AFFILIATE OR AGENT THEREOF AS TO THE WEBSITE’S SECURITY, COMPLETENESS, RELIABILITY, QUALITY, ACCURACY, USABILITY, SUITABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, FREEDOM FROM VIRUSES OR OTHER HARMFUL COMPONENTS, OR OTHERWISE. FINBOA 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 WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

4.2 Limitations of Liability 

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL FINBOA, ITS SUCCESSORS, ASSIGNS, AGENTS, EMPLOYEES, CONTRACTORS, OFFICERS, DIRECTORS, AFFILIATES OR LICENSORS (COLLECTIVELY “FINBOA PARTIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, YOUR USE OF OR INABILITY TO USE THE WEBSITE, ANY CONTENT ON THE WEBSITE, OR ANY LINKED WEBSITES, REGARDLESS OF THE LEGAL THEORY ASSERTED, WHETHER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. NOTHING IN THESE TERMS IS INTENDED TO WAIVE, LIMIT, OR DISCLAIM ANY RIGHTS OR REMEDIES THAT MAY NOT BE WAIVED UNDER THE TEXAS DECEPTIVE TRADE PRACTICES ACT OR OTHER APPLICABLE LAW. IF ANY LIMITATIONS CONTAINED IN THIS SECTION ARE HELD TO BE UNREASONABLE, NOT PERMITTED BY APPLICABLE LAW, OR IN ANY WAY CONSTRUED TO BE TOO BROAD OR TO ANY EXTENT INVALID, SUCH LIMITATIONS SHALL NOT BE CONSTRUED TO BE NULL, VOID AND OF NO EFFECT, BUT TO THE EXTENT SUCH LIMITATIONS WOULD BE VALID OR ENFORCEABLE UNDER APPLICABLE LAW, A COURT OF COMPETENT JURISDICTION SHALL HAVE THE RIGHT, POWER AND AUTHORITY TO MODIFY ANY LIMITATIONS AS SUCH COURT SHALL DEEM NECESSARY TO CAUSE SUCH LIMITATIONS (AS MODIFIED) TO BE VALID AND ENFORCEABLE UNDER SUCH APPLICABLE LAW.

4.3 Indemnification 

You agree to defend, indemnify and hold harmless the FINBOA Parties from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to: (A) your violation of these Terms; (B) your use of the Website or any linked websites; (C) your use of information obtained on the Website or any linked websites; and/or (D) alleged infringement of a third party’s rights in the Feedback.

 

5. Miscellaneous

5.1 Breach

If you breach these Terms, your right to use the Website will cease immediately and you must, at FINBOA’s option, return or destroy any copies of the materials you have made, if any and provide proof thereof acceptable to FINBOA. FINBOA shall also have the right to pursue all other remedies available at law.

5.2 Descriptive Headings.

The headings of these Terms are descriptive and are for convenience only and shall not control or affect the meaning or construction of any provision of these Terms. 

5.3 Governing Law and Jurisdiction.

These Terms are governed by the laws of the State of Texas. Any legal suit, action or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in a court of competent jurisdiction in Harris County in the State of Texas. You waive all objections to the exercise of jurisdiction over you by such court(s) and to venue in such court(s).

5.4 Waiver. 

A waiver of any breach or failure to enforce any of the terms or conditions of these Terms shall not in any way affect, limit or waive a party's rights hereunder at any time to enforce strict compliance thereafter with every term or condition of these Terms. 

5.5 Assignment

You may not assign these Terms without FINBOA’s prior written consent.

5.6 Illegalities

In the event that any provision contained in these Terms shall be determined to be invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of any such provision in every other respect and the remaining provisions of these Terms shall not, at the election of the party for whose benefit the provision exists, be in any way impaired.

5.7 Entire Agreement

These Terms and the Privacy Policy referenced herein constitute the entire agreement among you and FINBOA with respect to the Website and use thereof and supersedes all prior agreements, representations, warranties, or understandings with respect to the Website.

5.8 Contact

If you have questions or need to contact FINBOA, please use the contact information listed here: https://www.finboa.com/contact-us; email us at info@finboa.com or call us at 1 866 218 4086.