TERMS OF USE

Effective Date: September 04, 2025

Terms at a Glance

Welcome to Express Business Funding (EBF). Here’s what you need to know:

Eligibility: Our site is for Canadian users aged 18+. Client portals are only for authorized clients.
Content Use: All website content belongs to EBF. You may view it for personal use, but you can’t copy, sell, or distribute it without permission.
Prohibited Activities: No unlawful activity, spam, impersonation, or misuse of the site.
Your Responsibility: Keep your login details secure and ensure anyone using your internet connection follows these rules.
Disclaimer: We work hard to keep the site accurate and secure, but we can’t guarantee it will always be error-free or available.
Liability: EBF isn’t responsible for damages from your use of the site.
Governing Law: These Terms follow Ontario and Canadian federal law.

Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website www.ebf.ca, including any content, features, services, or client portals offered by Express Business Funding (“EBF,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree, please do not use this website.

1. Eligibility

The website is intended for individuals and businesses located in Canada.
You must be at least 18 years old to use this site.
If you access client portals, you must be an authorized client of EBF and keep login credentials secure.

2. Modifications to the Terms

We may update these Terms at any time. Changes take effect immediately upon posting. Your continued use of the website following updates means you accept the revised Terms.

3. Access to the Website

We reserve the right to withdraw, modify, or restrict access to the website at any time.
You are responsible for ensuring that anyone using your internet connection complies with these Terms.

4. Intellectual Property Rights

All content, design, trademarks, logos, graphics, and materials on this website are owned by or licensed to EBF and are protected by applicable intellectual property laws.
You may use the website for lawful, personal, and non-commercial purposes only.
Reproduction, distribution, or modification of any material from the website without prior written consent from EBF is prohibited.

5. Prohibited Uses

You agree not to use the website:

For unlawful purposes or in violation of applicable laws and regulations.
To exploit, harm, or attempt to exploit or harm others.
To send spam, malware, or harmful code.
To impersonate EBF, its employees, or any other person or entity.
In a manner that restricts, inhibits, or disrupts the experience of other users.

6. User Contributions

If the website or client portals allow submissions (e.g., forms, documents, comments, or uploads):

You grant EBF a non-exclusive, royalty-free license to use such submissions for the purposes for which they were provided.
You represent that your submissions do not violate any laws or rights of third parties.
EBF reserves the right to remove or restrict access to any content that violates these Terms.

7. Privacy

Your use of the website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

8. Disclaimers

The website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
EBF does not warrant that the website will be error-free, secure, or available without interruption.
Any reliance you place on website content is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law:

EBF shall not be liable for any indirect, incidental, or consequential damages arising from use of the website or reliance on its content.
EBF’s total liability in connection with your use of the website shall not exceed the amount, if any, you paid directly to EBF for services related to such use.

10. Indemnification

You agree to defend, indemnify, and hold harmless EBF, its affiliates, employees, and partners from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your violation of these Terms or misuse of the website.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of Ontario in connection with any dispute.

12. Termination

EBF may suspend or terminate your access to the website at any time, without notice, for violation of these Terms or for any other reason at our discretion.