Terms of Service
Please read these terms carefully before using bibbyfinancialservices.org. By using the Site, you agree to the terms below.
1. Acceptance of Terms
By accessing or using bibbyfinancialservices.org (the "Site"), operated by Bibby Financial Services GmbH, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please discontinue use of the Site.
2. Nature of the Service
Bibby Financial Services GmbH publishes general informational content about factoring, invoice financing and business cash flow solutions. The Site does not provide, arrange, broker, or facilitate any financial product, credit, invoice purchase, or payment service, and no part of the Site should be understood as an offer to do so. Bibby Financial Services GmbH does not charge for access to any content on this Site.
3. No Financial Advice or Services
Content on this Site is provided for general informational purposes only and does not constitute financial, legal, tax or investment advice. It should not be relied upon as the sole basis for any business or financial decision. Before entering into any factoring, invoice financing or credit arrangement, you should seek independent professional advice and review terms directly with a licensed provider.
4. Acceptable Use
You agree to use the Site only for lawful purposes. You may not attempt to interfere with the Site's normal operation, extract content through automated means beyond reasonable indexing, or use the Site in a way that could damage or overburden it.
5. Intellectual Property
Unless otherwise noted, text, layout and original graphics on the Site are the property of Bibby Financial Services GmbH. Photographs used on the Site are sourced from third-party providers under free-use licenses. You may not reproduce or redistribute Site content for commercial purposes without prior written permission.
6. Third-Party Links
The Site may reference or link to third-party resources for informational context. Bibby Financial Services GmbH does not control and is not responsible for the content, accuracy, or practices of any third-party website.
7. Disclaimer of Warranties
The Site and its content are provided "as is" without warranties of any kind, express or implied. Bibby Financial Services GmbH does not warrant that the information on the Site is complete, accurate, or current at all times, and market practices around factoring and financing described here may change.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Bibby Financial Services GmbH shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or reliance on any information presented on it.
9. Governing Law
These Terms are governed by the laws of Germany, without regard to conflict-of-law principles, without prejudice to any mandatory consumer protection rights you may have under the law of your country of residence.
10. Changes to These Terms
We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date above reflects the most recent revision.
11. Contact
Questions about these Terms can be sent to support@bibbyfinancialservices.org, by phone at +49 02114 1871177, or by post to Hansaallee 249, 40549 Düsseldorf, Deutschland.