Privacy, Security, and Terms of Service

Privacy Policy Statement 

Privacy is an important issue for visitors to the IFB Financial, LLC (IFB Financial) website. Visitors to our website are concerned about what information is collected, how it is collected, and how it is used. 

As your certified college advisor, employee benefits broker, or insurance agent or broker, IFB Financial’s objective is to professionally serve your needs. We recognize that in providing these services, we have an obligation to safeguard the personal information you entrust to us, as well as other information we may collect as part of providing our services to you. 

IFB Financial gathers information from website visitors, your transactions with us, and outside sources to improve the quality of information and services offered on our website. We collect two types of data: visitor data and voluntarily provided personal data.  

Protecting your private information is our priority. This notice describes the privacy practices and standards we have adopted to protect and ensure the confidentiality of your non-public personal information.   

This Statement of Privacy applies to the IFB Financial website, its operations, and governs data collection and usage. The IFB Financial website is an Information and blog site for potential clients. By using this website, you consent to the data practices described herein. 

 

Collection of your Personal Information 

IFB Financial may collect personally identifiable information, such as your name and additional personal and non-personal information, based on the services you are requesting. 

Information about your computer hardware and software may be automatically collected by IFB Financial. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of this website, to maintain quality of the service, and to provide general statistics regarding use of the IFB Financial website. 

Third-Party Websites 

IFB Financial encourages you to review the privacy statements of websites you choose to link to from IFB Financial’s website so that you can understand how those websites collect, use and share your information. IFB Financial is not responsible for the privacy statements or content on websites outside of the IFB Financial website. 

 

Use of your Personal Information 

 IFB Financial collects and uses your personal information to operate its website(s) and deliver the services you have requested. 

 IFB Financial may also use your personally identifiable information to inform you of other products or services available from IFB Financial and its affiliates. IFB Financial may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. 

 

IFB Financial: 

• uses your information only to conduct our business and provide our services to you; 

• will not disclose any non-public personal information about our clients or claimants to any third parties except as is permitted by law. In some cases, this information can be disclosed to third parties without your authorization. These disclosures may include those made to your insurance company, appraisers, independent adjusters, insurance regulators, and/or your mortgage lender or lienholder. Any such disclosures are made for the purpose of transacting the business of your provided services or your claim; 

• will not sell, rent or lease our client lists to third parties. We restrict access to your personal information to those employees and authorized representatives who need it to provide the products and services you have requested. We maintain physical, electronic and procedural safeguards to protect your personal information; 

• will not disclose any non-public personal information about our clients except as permitted by law. We will not sell or market your non-public personal information; 

• may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to you, and they are required to maintain the confidentiality of your information. 

• will share your information, as appropriate with your selected IFB Financial authorized representative, and if appropriate, with our trusted strategic partners for providing products and services to you; 

• may keep track of the websites and pages our users visit within the IFB Financial website, to determine what services are the most popular. This data is used to deliver customized content and advertising within IFB Financial’s website to customers whose behavior indicates that they are interested in a subject area; and, 

• will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on IFB Financial or this website; (b) protect and defend the rights or property of IFB Financial; and, (c) act under exigent circumstances to protect the personal safety of users of IFB Financial, or the public. 

 

You may review and correct your information. 

 

Visitor Data 

We routinely gather information regarding our website’s activity, such as how many people visit our websites, the pages they visit, and where they come from. This data is collected on an anonymous basis. It does not contain any personal information regarding our website visitors. We gather this quantitative information through logs contained on the servers that support our websites. This information is for our internal use only. It is not shared with or sold to any third parties. 

 

Personal Data 

Through voluntary responses on the IFB Financial website and email links found on our website, we collect various types of personal information from visitors. This information is collected only when visitors voluntarily provide it. The data collected is also for our internal use only and is not shared with or sold to any third parties. 

If you have any questions about our Privacy Policy, please contact us by sending an email to: IFB Financial, LLC at Hello@ifbfinancial.com 

 

TERMS AND CONDITIONS OF USE 

IFB Financial, LLC (“IFB Financial”) gives you the ability to access our content on this website (https://ifbfinancial.com). You can use this website for our product and service information, educational content, blog, and self-help tools. You may use this website only if you agree, without modification, to these terms and conditions of use. Please read the Terms carefully before continuing. If you do not agree to the Terms, you must leave this website. The Terms are in addition to any other agreements between you and IFB Financial. 

IFB Financial reserves the right to modify or change the Terms at any time without prior notice to you. Such modification or change shall be effective upon posting by IFB Financial on this website. You agree to be bound to any changes to the Terms when you use this website after any such change is posted. 

 

DISCLAIMER 

The materials on this website are provided “as is” and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, IFB Financial  disclaims all warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.  

IFB Financial does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that this website or the vendors that makes it available are free of viruses or other harmful components. IFB Financial does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise.  

You assume the total cost of all necessary servicing, repair, or correction of all equipment, data, or other items. IFB Financial also makes no guarantee as to the accuracy, validity, timeliness, or completeness of any information on any website to which you gain access though a hyperlink or other link from this website.  

The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to the products and services but are provided solely for general informational purposes. IFB Financial may make changes to the website materials and the product information at any time without notice and without obligation to update the materials contained on this website. 

 

 

LIMITATION OF LIABILITY 

IFB Financial uses reasonable efforts to include accurate and up to date information on this website, but errors or omissions sometimes occur. IFB Financial makes no warranties or representations as to the accuracy of this website. Under no circumstances, including, but not limited to, negligence, shall IFB Financial or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages whatsoever (including, without limitation, those resulting from lost profits, lost data or business interruption) that result from the use of, or the inability to use, or the results of the use of this website or the materials or information contained at this website, whether based on warranty, contract, tort or any other legal theory, even if IFB Financial or an IFB Financial authorized representative has been advised of the possibility of such damages.  

IFB Financial assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property because of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio form this website. IFB Financial shall not be liable for any mechanical or electronic equipment failure, failure of communications lines, telephone or other interconnects, unauthorized access, theft, or operational errors. 

 

Your Liabilities 

IFB Financial has the right to deny you access and use of this website and its content if you violate, according to IFB Financial’s sole discretion, any provision of these Terms. IFB Financial reserves the right to seek all other legal remedies available. You agree, at your own expense, to defend, indemnify and hold IFB Financial harmless from any claim or demand, including reasonable attorneys’ fees, made by a third party in connection with or arising out of your access to, or use of, this website or any of its content in a manner other than as expressly authorized by these Terms, your breach of these Terms or your violation of applicable laws or any rights of any third party. 

 

TRADEMARKS AND COPYRIGHTS 

All images, trademarks, service marks, trade names, logos, icons and any other proprietary information (Individually or collectively, “Intellectual Property”) are licensed or proprietary to IFB Financial. Nothing contained on this website should be understood as granting, by implication, estoppel, or otherwise, any license or right to use any Intellectual Property displayed on this website without the written permission of IFB Financial or such third party that may own the Intellectual Property displayed on this website. Your use of the Intellectual Property displayed on this website, or any other content on this website, except as authorized by IFB Financial, is prohibited. 

Images displayed on this website are either the property of, or used with permission by IFB Financial. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by IFB Financial. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. 

The materials on this website are copyrighted and any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorization to use this website automatically terminates and you must immediately destroy any downloaded or printed materials. 

 

RESTRICTIONS ON USE OF MATERIALS 

This website is owned and operated by IFB Financial. Except as otherwise permitted by IFB Financial, no materials from this website or any website owned, operated, licensed or controlled by IFB Financial may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your personal non-commercial reference only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the software, text, images, audio, and video without IFB Financial’s written permission.  

IFB Financial neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with IFB Financial. Use of any IFB Financial trademarks as metatags on any third-party site is strictly prohibited. You may not co–brand or display this website in frames (or any of the content via in-line links) without prior written permission from IFB Financial. Co-brand is defined as your display of any of the Intellectual Property, or your taking of other means of attribution or identification of IFB Financial in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute this website or any of its content. You agree to cooperate with IFB Financial in causing any unauthorized co-branding, framing or linking to immediately cease. While there is nothing contained on this website that could be inappropriate or offensive to children under 13 years of age, this website and its content are intended for children and adults 13 years of age (Attending 8th grade or higher) or older. 

 

JURISDICTION  

IFB Financial administers this website from its office in Golden, Colorado. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws. The appropriate Colorado Federal or State court shall have exclusive jurisdiction for any action or dispute arising out of this agreement or this website. 

 

 

ADDITIONAL TERMS 

 

Entire Agreement  

Except as  otherwise set forth in the Terms, the Terms set forth the entire understanding between IFB Financial and you with respect to your access to, and use of, this website and its content and supersedes all prior understandings regarding access and use. 

 

Severability 

If any portion of the Terms is found to be unenforceable, the remaining sections of the Terms will remain in effect. 

 

Waiver 

Failure by IFB Financial to exercise any of its rights under the Terms will not constitute waiver of such right or any other rights under the Terms. 

 

COPYRIGHT NOTICE 

 

© 2018 IFB Financial, LLC. All rights reserved. 

 

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content available on or through this website for commercial or public purposes, without the prior written permission of IFB Financial, LLC. 

 

 

Effective Date: October 24, 2018 
 

Last Updated:  October 24, 2018