Terms of Service

1. Acceptance of Terms

By accessing or using lofvaw.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use the Site.

2. Informational Purpose Only

All content published on the Site, including articles, glossary entries, FAQs, and illustrative examples, is provided for general informational and educational purposes only. Content relating to factoring and commercial receivables management is intended to help readers understand common industry concepts and terminology, and does not constitute financial, legal, tax, or investment advice.

3. No Paid Services or Advice

lofvaw does not originate, broker, arrange, or provide factoring, lending, or any other paid financial product or service. We are not a financial institution, lender, or licensed advisor. Nothing on the Site is an offer or solicitation to buy or sell any financial product. Any decisions you make based on information found on the Site are your sole responsibility, and we strongly recommend consulting a qualified, licensed professional before making financial decisions.

4. Acceptable Use

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, the Site by any third party. Prohibited activities include, without limitation, attempting to gain unauthorized access to the Site, transmitting harmful code, or scraping content without permission.

5. Intellectual Property

Unless otherwise noted, the text, graphics, logos, and other materials on the Site are owned by or licensed to lofvaw and are protected by applicable intellectual property laws. You may view and share content for personal, non-commercial use, provided you do not modify it and you retain all attributions.

6. Third-Party Links

The Site may contain links to third-party websites for reference purposes. We do not control and are not responsible for the content, accuracy, or practices of any linked third-party sites.

7. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free.

8. Limitation of Liability

To the fullest extent permitted by applicable law, lofvaw shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of, or inability to use, the Site or its content.

9. Changes to These Terms

We may revise these Terms of Service from time to time. Updates will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

10. Governing Law

These terms are governed by applicable local law, without regard to conflict-of-law principles, unless otherwise required by mandatory law in your jurisdiction.

11. Contact

Questions about these Terms of Service can be sent to: