Terms of Use

Last Updated – 06/1/2023

PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. FBCS, Inc. (“we,” “us”) provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).

If you have any questions about this Agreement, please contact us at the following address: 330 S Warminster Road, Suite 353, Hatboro, PA 19040.

  1. Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.
  2. Rules of Conduct. You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:

Use the Site for any fraudulent or unlawful purpose.

Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.

Interfere with or disrupt the operation of the Site.

Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.

Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.

Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.

Sell, resell, transfer, license, or exploit, for any commercial purposes, any use of or access to the Site or the Materials.

Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.

Frame or mirror all or any part of the Site without our prior express written authorization.

  1. FBCS, Inc.‘s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of FBCS, Inc. and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use.

Trade names, trademarks and service marks of FBCS, Inc. include “ ” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by FBCS, Inc. or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of FBCS, Inc.’s (or its affiliates’) trade names, trademarks, or service marks without our (or the relevant affiliate’s) prior express written permission.

FBCS, Inc. offers an Email and SMS messaging service. You can opt-in to our services by Subscribing Here or for SMS Messaging by texting “OptIn” to +1 267-963-9336. You may choose to opt-in to our Email and/or our SMS messaging service at your own discretion and you may opt out at any time. We will communicate with you via Email/SMS for the purposes of Payment Reminders, Payment Receipts, or other Informational notices regarding your account.

Participating carriers include: AT&T, Boost Mobile, T-Mobile, Metro by T-Mobile, Verizon Wireless, Sprint, US Cellular, and Virgin Mobile. Carriers are not liable for delayed or undelivered messages. T-Mobile is not liable for delayed or undelivered messages.

Message and data rates may apply. Message frequency may vary. Message frequency is dependent upon user and account activity. If you have any questions about your text plan or data plan, please contact your wireless provider.

You can cancel these services at any time by Unsubscribing Here. To cancel SMS Messaging, you can also text “STOP” to +1 267-963-9336. We will respond with a single SMS message to confirm that you have unsubscribed. After this, you will no longer receive SMS messages from us.

You may, at any time, text “HELP” to +1 267-963-9336 for a brief help message. We will respond with instructions on how to use our service as well as how to unsubscribe. You may also contact FBCS, Inc. support at: +1 (267) 802-6487 or email us at [email protected]. You can view our privacy policy Here.

e-Sign Disclosure and Consent for Electronic Communication with FBCS, Inc.

Please read the following information carefully. By proceeding forward and signing this document by clicking “I Agree” below this document, you are agreeing that you have reviewed the following disclosure and consent to conduct business using electronic communications to receive any document or communication electronically.

As used in this disclosure, “document(s) or communication(s)” means any agreement, authorization, disclosure, notice, or other document related to your account placed with FBCS, Inc. and your request for electronic communication with FBCS, Inc., including but not limited to any document or communication that we are required by law to provide you in writing.

E-Sign Act

Federal regulations require that we provide you with certain documents or communications at the time you first authorize FBCS, Inc. to communicate with you electronically; and, that the document or communication be in writing in a form that you may keep. The Electronic Signatures in Global and National Commerce Act (E-Sign Act) allows FBCS, Inc. to provide you with documents or communications in electronic form rather than in written form after we have provided you with the following information.

Scope of Your Consent

Your consent to receive documents or communications electronically applies only to a document or communication pertaining to your account(s) placed with FBCS, Inc..

Method of Providing Documents and Communications to You in Electronic Form

All documents or communications may be viewed electronically on this website and saved by:

  • Printing paper copies;
  • Downloading and saving electronic copies;
  • Storing the hyperlink on your computer.

In addition, we may deliver documents or communications to you by any of the following methods: (a) by sending a notice to an email address you have provided us and making the document or communication available to you via a hyperlink; or (b) by sending the document or communication to an email address you have provided us; (c) to a wireless device you have designated; or (d) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose; or any other electronic means we have mutually agreed upon.

Delivery of electronic documents or communications by any of these methods will be considered “in writing” and you intend that the electronic documents or communications have the same legal effect as written and signed paper documents or communications.

Your Right to Receive Paper Copies

You may obtain a copy of any document or communication in paper form in addition to your access to the document or communication in electronic form at any time upon request.

How, after You Consent, to Receive a Paper Copy of Any Document or Communication and Whether Any Fee Will Be Charged For Such Copy

You may receive a paper copy of any document or communication by contacting FBCS, Inc. via electronic means at [email protected], by calling FBCS, Inc. at (866)594-8640, or by submitting a copy request in writing to FBCS, Inc. at 330 S. Warminster Rd., Hatboro, PA 19040. The copy request must contain your account number, name, contact phone number and a description of the document or communication requested and must be signed by you. You will not be charged a copy fee for any document or communication.

Your Right to Withdraw Your Consent and Any Conditions, Consequences, or Fees Associated with You Withdrawing Your Consent

You have the right to withdraw your consent to have a document or communication made available to you in electronic form at any time.

There are currently no conditions, consequences or fees associated with you withdrawing your consent.

A Description of the Procedures You must Use to Withdraw Your Consent

You may withdraw your consent to receive a document or communication electronically at any time. If you wish to do so, please notify us in writing to FBCS, Inc. at 330 S. Warminster Rd., Hatboro, PA 19040 or via email at [email protected] and provide your name, mailing address, daytime telephone number, and a description of the document or communication from which you are withdrawing your consent.

Hardware and Software Requirements

In order to use electronic signatures and to receive and save any document or communication

electronically, you must have:

A computer, mobile device, or other electronic device with internet access and

  • A secure internet browser with 128 – bit encryption;
  • A program that reads and displays PDF files such as Adobe Acrobat Reader; and
  • An active email address.

To print and save your document or communication in electronic form using your computer, you will need:

  • A Printer (to print paper copies); and
  • A hard drive or other storage device (to download and save electronic copies).

To print and save your document or communication in electronic form using your mobile or electronic device, you will need:

  • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
  • An electronic device capable of taking a screen shot that can be printed (to save electronic copies).

Changes to Hardware and /or Software Requirements

You will be notified of any changes to the hardware and/or software requirements that may create a material risk that you will not be able to receive, view, print or save a document or communication.

You Must Keep your Email Address and/or Mobile Phone Number Current with FBCS, Inc.

You are responsible for informing FBCS, Inc. of any change in your email address or mobile phone number. You can update your contact information by contacting FBCS, Inc. at (866)594-8640.

Please print, download, or take a screenshot of this page for your records.