Terms of Use

 

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

 

Unauthorized use of BCF’s Websites and systems, including but not limited to unauthorized entry into BCF’s systems, misuse of passwords, posting of objectionable or offensive content or your unauthorized use of legally protected third party content, or misuse of any information posted to a site, is strictly prohibited.

 

You acknowledge that BCF may disclose and transfer any information that you provide through this Website to (i) its subsidiaries, affiliates, agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate (including to countries outside the European Economic Area (EEA)), and by using and providing information through this Website you agree to such transfers. Use of this Website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

 

You agree not to attempt to log on to the Website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Website from one of these countries may result in your access being restricted and/or terminated.

 

You agree to indemnify, defend, and hold harmless BCF and all of its direct and indirect subsidiaries, officers, directors, employees, agents, successors and assigns from any and all losses, liabilities, damages, and all related costs and expenses, including attorneys’ fees, arising from, relating to, or resulting (directly or indirectly) from your use of this Website.  Without limiting BCF’s rights or your obligations under any other provision of these Terms and Conditions, and notwithstanding the same, in the event of any actual or reasonably suspected unauthorized access to the personal information of a customer (including but not limited to customer names, addresses, phone numbers, bank and credit card account numbers, income and credit histories, and social security numbers) under your control or subsequent to and arising from your past exercise of control, direct damages in connection with any such breach will include the cost and expenses of investigation and analysis (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related cost. BCF’s rights to indemnity under this section are in addition to all other rights and remedies available at Law or in equity. Any exercise by BCF of its rights to indemnification shall be without prejudice to such other rights and remedies. You manifest your assent to this indemnity by accessing account data through BCF’s Website or systems, notwithstanding the terms of any agreement you have with a customer stating otherwise. This indemnity includes but is not limited to losses associated with (1) a data breach of your system(s) and (2) a data breach of the system(s) of any person or entity with whom you provided or shared BCF customer data.

 

Copyright Notices

 

The works of authorship contained in the bcfcapital.com Website (the “Website”), including but not limited to all design, text, sound recordings, buttons and graphic images, are owned, except as otherwise expressly stated, by National Minority Supplier Development Council Business Consortium Fund, Inc.  or one of its subsidiaries, (“BCF”). Except as otherwise expressly stated herein, they may not be copied, reproduced, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner or in any form or by any means, without BCF’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of BCF’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

 

Trademark Notices

 

This Website features logos, brand identities and other trademarks and service marks (collectively, the “Marks”) that are the property of, or are licensed to BCF and its subsidiaries. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Mark displayed on this Website without written permission of BCF or any such third party that may own a Mark displayed on the Website.  Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.

 

 

Web Content and Materials

 

The information on this Website is for information purposes only. It is believed to be reliable, but BCF does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of BCF stock, any other security, or any financial instrument.

 

The information and materials contained in this Website and the terms and conditions of the access to and use of such information and materials are subject to change without notice. Products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations.  In addition, certain portions or pages of this Website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers, and these terms and conditions, the additional disclosures and disclaimers will govern for those portions or pages.

 

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with BCF, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

 

BCF OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND BCF DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. BCF RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY BCF TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

 

Potential Disruption of Service

 

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

 

Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;

 

Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;

Overload of system capacities;

Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, acts of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;

Interruption (whether partial or total) of power supplies or other utility of service;

Strike or other stoppage (whether partial or total) of labor;

Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention;

Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of BCF.

 

Links to Other Sites

 

Links to non-BCF Websites are provided solely as pointers to information on topics that may be useful to the Websites, and BCF has no control over the content on such non-BCF Websites. If you choose to link to a Website not controlled by BCF, BCF makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does BCF warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. BCF does not guarantee the authenticity of documents on the Internet. Links to non-BCF sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

 

Cautionary Language Regarding Forward-Looking Statements

 

This Website may contain statements, estimates or projections that constitute “forward-looking statements” as defined under U.S. federal securities laws. Any such forward looking statements are inherently speculative and are based on currently available information, operating plans and projections about future events and trends. As such, they are subject to numerous risks and uncertainties. Actual results and performance may be significantly different from BCF*s historical experience and our present expectations or projections. BCF undertakes no obligation to publicly update or revise any forward-looking statements.

 

Privacy Policy

 

BCF’s use of any personal data you submit to the Website is governed by the Website’s Privacy Policy.

 

LIMITATION OF LIABILITY

 

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED “AS IS” “AS AVAILABLE”. BCF AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. BCF AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY,  NONINFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, BCF WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL BCF BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND BCF’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

 

BCF AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, BCF AND ITS SUBSIDIARIES AND AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND BCF AND ITS SUBSIDIARIES’ AND AFFILIATES’ CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING BCF’S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

 

UNDER NO CIRCUMSTANCES WILL BCF BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER BCF HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

 

Enforceability, Jurisdiction and Governing Law

 

BCF maintains and operates this Website from its offices in New York, New York, and the United States of America. These Terms of Use, the user’s access to and use of the Website are governed and interpreted under the laws of the State of New York, United States of America. By using this Website you consent to the jurisdiction of the courts located in New York for any action arising from these Terms of Use. Any cause of action or claim you may have with respect to the Website must be commenced within one (1) year after the claim or cause of action arises. If any portion of these Terms of Use is deemed unlawful, void, or unenforceable, then that part shall be deemed severable and shall be construed in accordance with applicable law. Such a term will not affect the validity and enforceability of any remaining provisions. BCF’s failure to act with respect to a breach of these Terms of Use by you or others does not constitute a waiver and shall not limit BCF’s rights with respect to such breach or any subsequent breaches.  These Terms and Conditions shall be subject to any other agreements you have entered into with BCF.

 

 

Privacy Policy

Last Updated: September 25, 2018

 

Your privacy is important to us. Below you will find our Privacy Policy regarding any personal information that you may supply to us through this Website.  This Privacy Policy explains how we collect, share, use, and protect information when you visit or use this Website and any other online services offered by the affiliates and subsidiaries of BCF that link to or reference this policy (collectively, our “online services”). This policy covers BCF’s many online services, including the BCF websites, and BCF-branded social media sites or pages, as well as any interactions you may have while viewing content provided through one of BCF’s digital advertising campaigns. By accessing this Website, you indicate your acceptance of this Privacy Policy.

 

As you review this Privacy Policy, here are a few general principles to keep in mind:

 

•    Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States.

 

•   Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.

 

Information We Collect

 

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information, user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

 

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.

Additional Sources of Information

We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Privacy Policy.

 

Use of Information

 

We use the information discussed above in a number of ways, such as:

• Processing applications and transactions;
• Verifying your identity;
• Preventing fraud and enhancing the security of our online services;
• Responding to your requests and communicating with you;
• Managing your preferences;
• Performing analytics concerning your use of our online services, including your

responses to our emails and the pages and advertisements you view;

• Providing you tailored content and marketing messages;
• Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);

• Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and

• For any other purposes that we may specifically disclose at the time you provide or we collect your information.

 

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

 

Disclosure of Information

 

We may share the information we collect from and about you with our subsidiaries, affiliates and other third parties. For example, we may share your information with:

 

• BCF third-party service providers;
• BCF affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;

• Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of BCF or its subsidiaries; and

• Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

 

We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

 

Understanding Cookies, Web Beacons and Other Tracking Technologies

 

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

 

• “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
• Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
• Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.

 

Linking to Third-Party Websites

 

BCF may provide links to websites that are owned or operated by other companies (“third-party websites”). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.

 

Security

 

We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use insecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.

 

Changes to this Privacy Policy

 

We may change this Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Privacy Policy will become effective when posted unless indicated otherwise.

 

Governing Law  

 

BCF operates this Website from its offices in New York, New York in the United States.  All matters pertaining to this Website are governed and interpreted under the laws of the State of New York and the United States of America.

 

©BCF 2020 All Rights Reserved