Terms of Use

These Terms of Use govern access to the website operated by Credit Bureau Enterprises of Florida (CBEOF, “we,” “our,” or “us”). By using this website, you agree to these Terms. If you do not agree, do not use the website. These Terms apply to website use only. Collection, receivables, screening, verification, research, or other services are governed by separate written agreements and applicable law.

Website Information

Website content is provided for general informational purposes. It is not legal, financial, employment, tenant-selection, compliance, or credit advice. Laws and requirements can vary by account type, purpose, industry, location, and the parties involved. Obtain advice from qualified counsel or other professionals for your specific circumstances.

No Service Relationship Through Website Use

Visiting the website, submitting a form, or requesting information does not create a client, consumer-reporting, debt-collection, legal, fiduciary, or other professional relationship. A service relationship begins only after CBEOF and the applicable customer complete the required review and written agreement.

Collection and Receivables Services

Information about collections and receivables describes general capabilities, not a promise that an account will be accepted, recovered, resolved within a particular period, or produce a particular financial result. Account age, documentation, disputes, debtor response, jurisdiction, contract terms, and other facts may affect available options. Commercial and consumer accounts may be subject to different requirements and procedures.

Screening, Verification, and Research Services

Screening information is provided to support an authorized customer’s established decision process. Customers are responsible for identifying a permissible purpose, obtaining required disclosures or authorization, applying lawful and documented criteria, providing required notices, and complying with federal, state, and local requirements. Screening does not guarantee identity, qualifications, future conduct, tenancy, employment performance, payment, or safety.

Permitted Use

You may use the website for lawful business and informational purposes. You may not attempt unauthorized access; interfere with website operation; introduce malicious code; scrape or copy content in violation of law or these Terms; submit false, misleading, unlawful, or confidential third-party information without authority; impersonate another person or organization; or use the website to violate another person’s rights.

Information You Submit

You represent that information submitted through the website is accurate to the best of your knowledge and that you have authority to provide it. Do not submit Social Security numbers, full financial-account numbers, medical information, consumer-report data, or other highly sensitive records through a general website inquiry form. CBEOF may request appropriate information through a separate secure process when necessary for an authorized service.

Intellectual Property

Unless otherwise stated, the website’s text, branding, graphics, design, and other content are owned by or licensed to CBEOF and are protected by applicable law. You may view and make reasonable internal use of the website, but you may not reproduce, modify, publish, sell, or distribute substantial portions without written permission or another lawful basis.

Third-Party Services and Links

The website may link to or rely on third-party services. CBEOF does not control and is not responsible for third-party content, availability, security, or privacy practices. A link does not necessarily imply endorsement. Review the terms and policies of any third-party service you use.

Disclaimer of Warranties

The website is provided on an “as is” and “as available” basis to the fullest extent permitted by law. CBEOF does not warrant that the website will be uninterrupted, error-free, secure, current, or suitable for every purpose. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, CBEOF and its officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from website use or reliance on website content. Any liability that cannot lawfully be excluded will be limited as permitted by applicable law.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where another law must apply. Venue and dispute provisions in a separate signed service agreement control matters arising from that agreement.

Changes

CBEOF may update these Terms as the website, services, or requirements change. The effective date shown on this page indicates the latest revision. Continued use after an update means the revised Terms apply to subsequent website use.

Contact

Questions about these Terms may be submitted through the website contact form or emailed to contact@cbeof.com. This draft should be reviewed by qualified counsel before publication and should be read together with CBEOF’s Privacy Policy and applicable service agreements.