Privacy Policy

Last Updated January 2016

Privacy Policy

This privacy policy ("Policy") explains how personal information is collected, used, and disclosed by OneLife, also doing business with respect to your use of any site operated or powered by OneLife (the "Sites") so you can make an informed decision about using the Site and the web site creation and hosting services offered by OneLife. Please note that this Policy does not apply to, and we are not responsible in any manner for, any information you provide to third parties in connection with web sites hosted by OneLife ("User Sites") or how the third parties who operate such User Sites may use the personal information you provide to them. Such information is subject to the privacy practices of such User Site, and we encourage you to become familiar with their privacy practices before disclosing information directly to them. Registration forms contain both mandatory fields (as indicated) and non-mandatory fields; if you choose not to complete the mandatory fields then OneLife may not be able to respond to your request or activate your option choices. By using the OneLife Toolset and/or the Site, you consent to any transfer of personal information, collected by OneLife, outside your country for the purposes of storing the information where OneLife and/or its agents maintain their facilities. We reserve the right to change this Policy at any time If we make any material changes to the way we use your personally identifiable information, we will notify you here, post a new policy on our Site and update the “last updated” date set forth above, or by email. Therefore, we encourage you to check our Policy whenever you use the service to see if it has been updated since your last visit. Your use of the Site after the revised Policy has been posted will constitute your consent to such revised Policy. If you are concerned about how your personal information is used, you should e-mail us at This will not prevent OneLife from using your personal information for the administration or operation of the Site or other non-marketing purposes described in this Policy. Our Postal Address is: ICOT Center13600 Icot Blvd Clearwater, FL 33760.

Personal Information

We collect two basic types of information with our service, namely personal information and aggregate information. As used herein, the term "personal information" means information that specifically identifies an individual (such as a name and e-mail address), and demographic and other information about an individual when directly linked to personally identifiable information. A user name may be personal information if it includes personally identifying information such as a first and last name. Our definition of personal information does not include "aggregate" information. Aggregate information is data we collect about a group or category of services or users from which individual user identities have been removed. In other words, information on how you use our service may be collected and combined with information about how others use the service, but no personal information will be included in the resulting data. Aggregate data helps us understand trends in our users’ needs so that we can better consider new features or otherwise tailor our service. This policy in no way restricts or limits our collection and use of aggregate information, and we may share aggregate information about our users with third parties for various purposes, including to help us better understand and improve our service, and for advertising and marketing purposes.

Updating/Accessing/Amending Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our service, you may update your profile or delete it by clicking on the Profile link after you log in and then clicking the Delete Account link at the bottom of the page. Alternatively, you can email our Customer Support at

Active Collection
Personal information may be collected in a number of ways when you visit our Site. We may collect certain information you voluntarily provide to us which may contain personal information. For example, we may collect your name, address, email address, user name and other contact and demographic information when you register and set up an account or contact us by e-mail or other means for any reason. We may also collect payment information if applicable. If In addition, from time to time we may collect demographic, contact or other personal information you voluntarily provide to us, such as in connection with your participation in surveys, sweepstakes, contests, games, promotional offers, and other activities on the Site. For each registered user of the Site (each a "Registered User") to the OneLife Web Site, our Web server automatically recognizes any header information that is shared with our Web server. OneLife collects the IP address and header information, and may collect the following: The e-mail address of Registered Users of our Web Site and the OneLife Toolset; The e-mail addresses of Registered Users who post messages to our bulletin board, communicate with us via e-mail, and/or make postings to our chat areas; Aggregate information on what pages Registered Users access or visit; Registered User-specific information on what pages Registered Users access or visit; and Personal information may also be collected if you leave comments or other communications on the Site, such as on the OneLife Bulletin Board and/or chat areas, and/or send email directly to OneLife. By doing so your name and the content of your communication may be made public and can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.

Automatically Collected Information
As mentioned above, we automatically receive certain types of information whenever you interact with us. For example, when you use the Web site, our systems may automatically collect your IP address and the type of operating system or browser you use. We may also collect information pertaining to your account activity, and standard access information, such as the time and date of your accessing the service and your usage of the service. We use such information for purposes such as compiling aggregated statistics about service usage. We may also use cookie technology to collect information. Among other things, the use of cookies enables us to: Store Registered User’s preferences; Record session information, such as items that visitors and Registered Users add to their shopping cart; Record Registered User-specific information on what pages Registered Users access or visit; Alert Registered Users to new areas that we think might be of interest to them when they return to our site; Record past activity at a site in order to provide better service when visitors and Registered Users return to our site; and Deliver advertising targeted to your interests and ensure that visitors and Registered Users are not repeatedly served the same messages or offers. Third party vendors, including Google, show your ads on sites on the internet. Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website. Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page. A cookie is a small amount of data, often including an anonymous unique identifier, which is sent to your browser from a web site’s computers and stored on your computer’s hard drive. Most browsers automatically accept cookies as the default setting. You can modify the setting to reject cookies or to prompt you before accepting a cookie from the sites you visit by editing browser options. However, if a browser is set not to accept cookies or if a user rejects a cookie, some portions of the Site and the service may not function properly. For example, you may not be able to sign in and may not be able to access certain Site features or services.

Third Party Cookies
Our privacy statement does not cover the use of cookies by our partners and affiliates. We do not have access or control over these cookies. Our partners and affiliates use session ID cookies on their websites once you leave OneLife to give you access to OneLife discounts and promotions.

Links to Other Sites
If you click on a link to a third party site, you will leave the OneLife site you are visiting and go to the site you selected. Because we cannot control the activities of third parties, we cannot accept responsibility for any use of your personally identifiable information by such third parties, and we cannot guarantee that they will adhere to the same privacy practices as OneLife. If you visit a third party website that is linked to a OneLife site, you should read that website’s privacy statement before providing any personally identifiable information.

Information about Children
Our service is not intended to be used by children under the age of 13, and we do not knowingly collect personal information from children under the age of 13 except in compliance with applicable law.

Use and Sharing of Information
In general, we use personal information we collect to process your requests or transactions, to provide you with information or services you request, to inform you about other information, events, promotions, products or services we think will be of interest to you, to facilitate your use of, and our administration and operation of, the Site, newsletters and for the purpose for which the information was provided. We may also use the personal information we collect to improve the content of our Web page and to customize the advertising and the content and/or layout of our page for our visitors and individual Registered Users. We also use this information to notify Registered Users about updates to our Web site, and to contact Registered Users for marketing purposes. We will not share the personal information we collect from you through the Site with any other company except as provided in this Policy, as it may be revised form time to time. We reserve the right to disclose or transfer such information to a third party (a) if you request us to do so or we otherwise have your consent, (b) if we believe in good faith that we are lawfully authorized or required to do so or that doing so is reasonably necessary or appropriate to comply with the law or with legal process or authorities, respond to any claims, or to protect the rights, property or safety of OneLife, our users, our employees or the public, including without limitation to protect OneLife or our users or the public from fraudulent, abusive, inappropriate or unlawful use of our Site, (c) if we believe in good faith that an emergency involving immediate danger of death or serious physical injury to any person, or other irreparable injury, including economic interests of OneLife or a third party, requires disclosure of the information, and (d) in connection with an acquisition, merger, or sale of all or a substantial portion of our business. We may also share personal information with vendors, consultants and other service providers ("Service Providers") who are engaged by or working with us in connection with the operation of the Site or the Services and who need access to such information to carry out their work for us. In some cases, the Service Provider may be directly collecting the information from you on our behalf. We may also share personal information with other third parties when you request that we do so or otherwise give us your express or implied consent. We are not responsible for the actions of Service Providers or other third parties, nor are we responsible for any additional information you provide directly to these Service Providers or other third parties, and we encourage you to become familiar with their privacy practices before disclosing information directly to them. Note that nothing herein restricts the sharing of aggregate information, which may be shared with third parties without your consent.

Network and Information Security
We use reasonable efforts to prevent unauthorized release of or access to your personal data. However, we cannot guarantee that your information will not be disclosed or accessed by accidental circumstances or by the unauthorized acts of others. If OneLife learns of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps. OneLife may also post a notice on the Site if a security breach occurs. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive a free written notice of a security breach, you should notify us at The security of your personal information is important to us. When you enter sensitive information (such as social security number, national ID, personal health information) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).

Electronic Communication
We will communicate with you via email. OneLife intends to send regular email updates and occasional promotional offers that may be of interest to you. You may opt-out of these mailings at any time. If you do not want to receive marketing and promotional e-mails from us in the future, please let us know by sending us an e-mail to or follow the unsubscribe instructions that are included in each email communication. This will not prevent us from sending you operational, account related or other non-marketing emails. If you wish to no longer receive these emails please deactivate your account by clicking on the Profile link after you log in and then clicking the Delete Account link at the bottom of the page. Alternatively, you can email our Customer Support at

Contacting Us
If you feel that this site is not following its stated information policy, you may contact us at

Last Updated January 2016

OneLife Membership Terms Of Use

This Membership Agreement ("Agreement") is entered into by and between OneLife, a service offered by OneLife, and/or its subsidiaries and affiliates ("FBP") and members of The FBP discount medical program ("Members"). All Members subscribing to The FBP discount medical program ("Program") should read the terms of this Agreement carefully.
The FBP Prescription program is NOT health insurance or a health insurance policy. It is a discount medical plan. The free Program provides discounts only at certain health care providers for healthcare services. Member is obligated to pay for all healthcare services but will receive a discount from those health care providers who have contracted with FBP. FBP does not make payments to providers for medical services. Equal or lower prices may be available through individual negotiations.
The OneLife program is NOT health insurance or a health insurance policy. The Program provides savings o for health, wellness, and lifestyle services. Member is obligated to pay for all services but will receive savings from those providers who have contracted with FBP. FBP does not make payments to providers for services. Equal or lower prices may be available through individual negotiations.

1. Description of Program’s Features:
Each Member is entitled to receive savings on specified services and receive other services (collectively, “Services”) when using a participating provider (“Provider”). Members are entitled to receive certain Services from Providers at predetermined amounts and certain other Services for percentage savings off the Provider’s normal retail prices for such Services. Other terms and conditions regarding Services, the Services eligible for savings, and the discounted fees for the Services included are subject to change, modification, or substitution by FBP at any time without notice to the Member. Fees for Services vary by region. In order to receive savings for Services, a Member must present his/her Membership ID Card to the Provider before Services are rendered. Members must pay the Provider directly at the time of Service unless otherwise agreed upon between Provider and Member. If prompt payment to the Provider is not made and arrangements for payment are not made, the Provider may rescind the discount. The discount features of the Program may not be available for cosmetic procedures.

2. Payment:
For Access Point Services offered on a payment or subscription basis, the following terms apply, unless FBP notifies you otherwise in writing. This Agreement also incorporates by reference and includes program ordering and payment terms provided to you on the website for the Services

Payments will be billed to you in U.S. dollars, and your account will be debited when you subscribe and provide your payment information, unless stated otherwise in the program ordering or payment terms on the website for the Services.

You must pay with one of the following:

a) A valid credit card acceptable to FBP;
b) A valid debit card acceptable to FBP;
c) Sufficient funds in a checking or savings account to cover an electronic debit of the payment due; or
d) By another payment option, FBP provides to you in writing.

You authorize charges above referenced credit card account or selected bank account automatically and apply said charge toward the payment of the charges you owe. You understand that you will remain responsible for recurring charges and additional late fees should my credit card be canceled or otherwise made unavailable for payment. You further understand that You will remain responsible for recurring charges, additional late fees and other applicable charges if the withdrawal to the bank account I have listed above is denied for insufficient funds or the account otherwise becomes unavailable.

In the event You have selected to have automatic payments made from a bank account, You hereby authorize the initiation of automatic withdrawals via electronic fund transfer entries (“Entries”) by means of the Automated Clearing House (“ACH”). I understand and agree to abide by the Operating Rules of the National Automated Clearing House Association (“NACHA”) in existence as of the date of this Agreement and as amended from time to time (the “Rules”) which govern all such transactions. I acknowledge that no Entries may be made that violate the Rules or the laws of the United States. You agree to indemnify the Originating Depository Institution (“ODFI”) and any third party service providers involved in processing Entries made hereunder against all claim, demand, loss, liability, or expense including attorney’s fees and costs that result directly or indirectly from my 1) failure to follow the Rules or 2) violations of law.

a) If your payment and registration information is not accurate, current, and complete and you do not notify us promptly when such information changes, we may suspend or terminate your account and refuse any use of the Services.
b) If you do not notify us of updates to your payment method (e.g., credit card expiration date), to avoid interruption of your service, we may participate in programs supported by your card provider (e.g., updater services, recurring billing programs, etc.) to try to update your payment information, and you authorize us to continue billing your account with the updated information that we obtain.
c) FBP will automatically renew your monthly or annual Services at the current rates, unless the Services are cancelled or terminated under this Agreement.
d) Additional cancellation or renewal terms may be provided to you on the website for the Services.

3. Cancellation:
If a Member is not satisfied with the Program and wishes to terminate his/her membership, the Member may cancel the membership for any reason and at any time during the membership period by notifying FBP in writing.

4. Use With Your Mobile Device:
Use of these Services may be available through a compatible mobile device, may require Internet access and/or additional software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.





5. Complaint Procedure:
Any complaint regarding Program membership should be directed to Member Services at the toll-free number on the ID Card or in writing to the address shown in Paragraph 7 below. Each complaint will be acknowledged in writing within 5 business days of its receipt. After FBP has investigated the complaint, the Member will receive a letter disclosing the results of that investigation no later than 30 calendar days after FBP receipt of the complaint.

6. Membership Representations and Acknowledgments:

In return for the discounts and Services available under the Program, the Member makes the following representations and acknowledgments:

(a) Member has read this Agreement carefully, understands the Program, including an understanding and acknowledgment that the Program is NOT INSURANCE.

(b) Member may cancel his/her Program membership at any time.

(c) Membership in the Program and or Member’s rights or duties under this Agreement may not be assigned or delegated without the prior express written consent of FBP. Member agrees that he/she will use his/her Program membership only for his/her personal benefit or for the benefit of his/her dependents. ”Dependents” are a spouse or registered domestic partner, children up to the age of 25, parents in the household over age 60 and any other IRS Dependents.

(d) Member is responsible for paying Providers and/or vendors for Services rendered at time of Service unless otherwise agreed upon by Member and Provider or vendor.

(e) Providers are entirely independent of The FBP and OneLife and its affiliates. FBP, OneLife, its affiliates and its contracted networks do not guarantee the quality of services or products offered by individual providers and are not responsible for the provision of or the failure to provide health care by any Provider. FBP does not practice medicine or in any manner interfere with or participate in the Provider-patient relationship. All health care decisions are between the patient and the provider. The selection of a Provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by FBP, its affiliates or its contracted networks.

7. Disclaimer of Warranties:
FBP is not a merchant, manufacturer, or a Provider of the Services.


In the event any product or Service purchased or received by a Member is canceled, modified, defective, or otherwise unsatisfactory to the Member, the Member will look solely to the Provider, seller, merchant, vendor or manufacturer of the product or Service for any repair, exchange, refund or satisfaction of claim. Member understands and agrees that any Service included in the Program is subject to availability and may be changed, terminated or removed from the Program at any time without notice to Member.

8. General Release:
Each Member, for himself/herself, and on behalf of any Dependent who uses the Services under the Program membership (”Membership Participant”), hereby forever releases, acquits and discharges each of FBP and its employees, officers, directors, agents and affiliates from any and all liabilities, claims, demands, actions, and causes of action that such Member, Membership Participant or Member’s legal representative(s) may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any Service. The sole recourse available to a Member, Membership Participant or Member’s legal representative(s) against FBP will be cancellation of the Program membership as provided in Paragraph 2.

9. Notices:
Any notice, consent, approval, complaint, request or other written communication given or required under this Agreement must be sent by first class mail, postage prepaid, or by an overnight delivery service such as FedEx or United Parcel Service, and, if from FBP, addressed to the Member, at the address shown in FBP records, or, if from the Member, to FBP at:
ICOT Center 13600 Icot Blvd Clearwater, FL 33760

10. Entire Agreement:
This Agreement sets forth the entire agreement and understanding between the parties with regard to Member’s membership in the Program and constitutes a final complete and exclusive statement of the terms of the agreement between the parties with respect to Member’s membership in the Program. Any other representation, inducement, promise or agreement shall be of no force or effect.

11. Validity; Binding Effect:
The validity or unenforceability of any term of this Agreement will in no way affect the validity or enforceability of any other term of this Agreement. This Agreement will be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

12. Governing Law:
This Agreement will be governed and construed in accordance with the laws of the State of Delaware, except as required otherwise by applicable law. Any controversy or claim arising out of or relating to this Membership agreement shall be settled by voluntary arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules (including Optional Rules for Emergency Measures of Protection), and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

13. Waiver of Breach:
A waiver by FBP of a breach of any provision of this Agreement will not be deemed a waiver by FBP of any other breach of the same or different provision.

14. Use of Your Information:
OneLife, and all affiliated companies have the right to maintain and manage all FBP Member emails for communication purposes regarding but not limited to any changes, additions, or opportunities to The FBP program. The FBP will not sell nor share your email to non-affiliated companies.

Online Services Terms Of Use

Last Updated January 2016

1. General Terms:

2. Agreement:
This Agreement describes the terms governing your use of the FBP online services provided to you on this website, including content, updates and new releases, (collectively, the “Services”). It includes by reference:

a) FBP Privacy Policy provided to you in the Services available on the website or provided to you otherwise.
b) Additional Terms and Conditions, which may include those from third parties.
c) Any terms provided separately to you for the Services, including product or program terms, ordering, activation, payment terms, etc.

3. Your rights to use the services:

3.1) The Services are protected by copyright, trade secret, and other intellectual property laws. You are only granted the right to use the Services and only for the purposes described by FBP. FBP reserves all other rights in the Services. Until termination of this Agreement and as long as you meet any applicable payment obligations and comply with this Agreement, FBP grants to you a personal, limited, nonexclusive, nontransferable right and license to use the Services.
3.2) You agree not to use, nor permit any third party to use, the Services or content in a manner that violates any applicable law, regulation or this Agreement. You agree you will not:

a) Provide access to or give any part of the Services to any third party.
b) Reproduce, modify, copy, deconstruct, sell, trade or resell the Services.
c) Make the Services available on any file-sharing or application hosting service.

4. Payment:
We accept MasterCard, VISA, Discover and American Express for payment For more information please visit OneLife Terms Of Use.

5. Use with your mobile device:
Use of these Services may be available through a compatible mobile device, may require Internet access and/or additional software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.



6. Your personal information:
You can view FBP’s Privacy Statement provided with the Services and on the website for the Services. You agree to the applicable FBP Privacy Statement, and changes published by FBP. You agree that FBP may use and maintain your data according to the FBP Privacy Statement, as part of the Services. You also give FBP permission to aggregate your non-personally identifiable data which you enter or upload with that of other users of the Services. For example, this means that FBP may use that aggregated data to improve services, design promotions, or provide ways for you to compare business practices with other users.

7. Content:

7.1)You are responsible for your content

You are responsible for all materials (“Content”) uploaded, posted or stored through your use of the Services. Archive your Content frequently. You are responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information and disclosures. FBP is not responsible for the Content or data you submit through the Services.You agree not to use, nor permit any third party to use, the Services to upload, post, distribute, link to, publish, reproduce, engage in or transmit any of the following, including but not limited to: Illegal, fraudulent, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, harassing, offensive, inappropriate or objectionable information or communications of any kind, including without limitation conduct that would encourage “flaming” others, or criminal or civil liability under any local, state, federal or foreign law;

a) Content that would impersonate someone else or falsely represent your identity or qualifications, or that constitutes a breach of any individual’s privacy;
b) Except as permitted by FBP in writing, investment opportunities, solicitations, chain letters, pyramid schemes, other unsolicited commercial communication or engage in spamming or flooding;
c) Virus, trojan horse, worm or other disruptive or harmful software or data; and
d) Any information, software or Content which is not legally yours and without permission from the copyright owner or intellectual property rights owner.

7.2) Community forums

The Services may include a community forum or other social features to exchange Content and information with other users of the Services and the public. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which FBP is not responsible.

7.3) FBP may freely use feedback you provide.

You agree that FBP may use your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant FBP a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, fully paid-up, royalty-free license to use the feedback you provide to FBP in any way.

8. Additional terms:

8.1) FBP does not give professional advice. Unless specifically included with the Services, SHB is not in the business of providing legal, financial, accounting, tax, health care, real estate or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.

8.2) We may tell you about other FBP services. You may be offered other services, products, or promotions by FBP (“FBP Services”). Additional terms and conditions and fees may apply. With some FBP Services, you may upload or enter data from your account(s) such as names, addresses, and phone numbers, purchases, etc., to the Internet. You grant FBP permission to use information about your business and experience to help us to provide the FBP Services to you and to enhance the Services. You grant FBP permission to combine your business data, if any, with that of others in a way that does not identify you or any individual personally. You also grant FBP permission to share or publish summary results relating to research data and to distribute or license such data to third parties.

8.3) We may tell you about third party products or services. Subject to the FBP Privacy Statement, FBP may offer products and services on behalf of third parties who are not affiliated with FBP (“Third Party Products”) or the Services may contain links to third party websites (“Third Party Sites”). You agree that FBP can use your contact information, including name and address, for the purpose of offering these products to you in accordance with your stated FBP contact preferences. If you decide to use any Third Party Products or access any Third Party Sites, you are responsible for reviewing the third party’s separate product terms, website terms and privacy policies, and paying any fees, if any, associated with the Third Party Products or Third Party Sites. You agree that the third parties, and not FBP, are responsible for their product’s performance and the content on their websites. FBP is not affiliated with these Third Party Products or Third Party Sites and has no liability for them. FBP reserves the right to terminate access to any interoperability between the FBP Services and Third Party Products without refunds or credits to you.

8.4) Shopping. FBP is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.

8.5) Communications. FBP may be required by law to send you communications about the Services or Third Party Products. You agree that FBP may send these communications to you via email or by posting them on our websites

8.6) You will manage your passwords and accept updates. You are responsible for securely managing your password(s) for the Services and to contact FBP if you become aware of any unauthorized access to your account. The Services may periodically be updated with tools, utilities, improvements, third party applications, or general updates to improve the Services. You agree to receive these updates.

9. Disclaimer of warranties

9.1) Your use of the services, software, and content is entirely at your own risk. Except as described in this agreement, the services are provided “as is.” to the maximum extent permitted by applicable law, FBP, its affiliates, and its third party providers, licensors, distributors or suppliers (collectively,”suppliers”) disclaim all warranties, express or implied, including any warranty that the services are fit for a particular purpose, title, merchantability, data loss, non-interference with or non-infringement of any intellectual property rights, or the accuracy, reliability, quality or content in or linked to the services. Fbp and its affiliates and suppliers do not warrant that the services are secure, free from bugs, viruses, interruption, errors, theft or destruction. If the exclusions for implied warranties do not apply to you, any implied warranties are limited to 60 days from the date of purchase or delivery of the services, whichever is sooner.

9.2) FBP, its affiliates and suppliers disclaim any representations or warranties that your use of the services will satisfy or ensure compliance with any legal obligations or laws or regulations.

10. Limitation of liability and indemnity

To the maximum extent permitted by applicable law, the entire liability of FBP, its affiliates, and suppliers for all claims relating to this agreement shall be limited to the amount you paid for the services during the twelve (12) months prior to such claim. Subject to applicable law, FBP, its affiliates and suppliers are not liable for any of the following:

(a) indirect, special, incidental, punitive or consequential damages;

(b) damages relating to failures of telecommunications, the internet, electronic communications, corruption, security, loss or theft of data, viruses, spyware, loss of business, revenue, profits or investment, or use of software or hardware that does not meet FBP systems requirements. The above limitations apply even if FBP and its affiliates and suppliers have been advised of the possibility of such damages. This agreement sets forth the entire liability of FBP, its affiliates and your exclusive remedy with respect to the services and its use. You agree to indemnify and hold FBP and its affiliates and suppliers harmless from any and all claims, liability, and expenses, including reasonable attorneys’ fees and costs, arising out of your use of the services or breach of this agreement (collectively referred to as “claims”). FBP reserves the right, in its sole discretion and at its own expense, to assume the exclusive defense and control of any claims. You agree to reasonably cooperate as requested by FBP in the defense of any claims.

11. Changes:

We reserve the right to change this Agreement at any time, and the changes will be effective when posted through the Services, on our website for the Services or when we notify you by other means. We may also change or discontinue the Services, in whole or in part. Your continued use of the Services indicates your agreement to the changes.

12. Termination:

FBP may immediately, in its sole discretion and without notice terminate this Agreement or suspend the Services if you fail to comply with this Agreement or if you no longer agree to receive electronic communications. Upon termination, you must immediately stop using the Services and any outstanding payments will become due. Any termination of this Agreement shall not affect FBP rights to any payments due to it. Sections 2.2, 3 through 14 will survive and remain in effect even if the Agreement is terminated.

13. Export restrictions:

You acknowledge that the Services, including the mobile application, and the underlying software may include U.S. technical data subject to restrictions under export control laws and regulations administered by the United States government. You agree that you will comply with these laws and regulations, and will not export or re-export any part of the Services, in violation of these laws and regulations, directly or indirectly.

14. Governing law:

Delaware state law governs this Agreement without regard to its conflicts of laws provisions. You agree to the exclusive jurisdiction of state courts Delaware. FBP does not represent that the Services are appropriate or available for use in all countries. You are accessing the Services on your own initiative and you are responsible for compliance with all applicable laws.

15. General:

This Agreement, including the Additional Terms below, is the entire agreement between you and FBP and replaces all prior understandings, communications and agreements, oral or written, regarding its subject matter. If any court of law, having the jurisdiction, rules that any part of this Agreement is invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement. You cannot assign or transfer ownership of this Agreement to anyone without the written approval of FBP. However, FBP may assign or transfer it without your consent to:

(a) an affiliate,
(b) a company through a sale of assets by FBP or
(c) a successor by merger.

Any assignment in violation of this Section shall be void. If you want to request a transfer of this Agreement, contact FBP via an email to: