Application Discliamer And Terms

Legal Disclaimer and Terms of Visiting our Site and Submitting Application

Please Study and read this document carefully before accessing or using the site. By accessing or using the site, you and your principal agree to bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not and shall not access or use the site.

INTERNATIONAL ACADEMY MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON ELECTRONIC POSTING OF THE MODIFIED AGREEMENT ON THE SITE.

YOU AGREE TO REVIEW THE AGREEMENT UPON VIEWING THE SITE TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE AND KNOWING ACCEPTANCE OF THE MODIFIED AGREEMENT. BY VIEWING THIS SITE YOU SUBMIT THAT THE TERMS ARE CLEAR AND NOT VAGUE.

MOREOVER, BY ACCESSING THIS SITE, YOU SUBJECT YOURSELF TO THE FORUM AND JURISDICTION OF THE IABFM.ORG OR IABFM ADMINISTRATIVE AREA WHICH IS PRESENTLY THE HONG KONG SAR.

IABFM Board Certifications & Designations are certification credential marks issued by the non-profit association known as the International Academy of Business and Financial Management. To receive authorization or accreditation to use IABFM Board Certification and Designations, the candidate must meet education, degree, examination, experience, continuing education, and ethics requirements, and pay the required good standing and/or certification fees. The IABFM Advisory Board remains an independent body.

Educational Licenses, Accreditation, and State Sanction.

The IABFM does not claim to be a college or university. The IABFM is an independent authority similar to other International Associations. The IABFM grants certificates, certifications, marks, designations, and charters much like hundreds of other legal educational and recognition institutes or associations in the United States. The IABFM strictly follows the criteria of the Ibanez decision in the United States. We encourage all members and certified members to meet all requirements for education, experience, testing, ethics, and continuing education. The IABFM licenses its marks and logos to others. The marks are generally licensed to individuals. The IABFM will license the IABFM and other marks and logos to companies, universities, or other uses upon the consent of its board. As e-commerce is a relatively new field, it is impossible for any association to have been in this field for any significant length of time. With this in mind, new and growing fields of study and practice should be given the opportunity to grow and flourish without government interference. IABFM claims no government sanction or alliance.

1. Trademarks
   Web Design, and/or any other names of IABFM or its Web sites, publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of IABFM, including the " look" and "feel" of the Site, IABFM's color combinations, layout, and all other graphical elements. Be very careful because all of the marks are protected on the Federal Common Law Level and many marks have special registrations with states such as , , and . Any use of IABFM's trademarks is strictly prohibited without the express permission from IABFM. Other product and company names mentioned in the Site may be the trademarks of their respective owners. Further, all significant marks are protected throughout the US by Federal Application and with certain International Treaties and Laws.
2. Use of the Site
   You understand that, except for information, products or services clearly identified as being supplied by IABFM, IABFM does not operate, control or endorse any information, products or services on the Internet in any way.
   
   Except for IABFM identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties that are not affiliated with IABFM.
   
   You also understand that IABFM cannot and does not guarantee or warrant that files, products, or information available for downloading through the Site will be free of infection or viruses, worms, Trojan horses, hack daddies, beetles, or any debilitating creepy software latent or hidden activity or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures, firewalls, and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost or impaired data.
3. In connection with your use of the IABFM Site, you agree you will not:
   a) Transmit any message, information, data, text, software or images, or other content ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, dirty, racist, piggish, vulgar, obscene, libelous, or otherwise objectionable that may invade another's right of privacy, serenity, or publicity;
   
   b) Impersonate any person or entity, including but not limited to, an IABFM official or agent, forum leader, guide or host or falsely state or otherwise misrepresent your affiliation with a person or entity;
   
   c) Post or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure or secret or private agreements);
   
   d) Post or transmit any Material that contains a virus, impaired, Trojan, doodle bug, infectious, or corrupted data or charge or impulse;
   
   e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature for use in any way or in a public way;
   
   f) Use the IABFM's Site's communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text);
   
   g) Post or transmit any unsolicited or "non-consideration" advertising, promotional materials, "junk mail", "spam," "chain letters," "pyramid schemes" or any other form of solicitation or any non-resume information such as opinions or notices, commercial or otherwise;
   
   h) Violate any applicable local, state, national or international law;
   
   i) Upload or transmit any Material that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
   
   j) Delete or revise any Material posted by any other person or entity; or
   
   k) Manipulate or otherwise display the Site by using framing or similar navigational technology.
   
   l) Use or misuse without consent from an officer or manager the logo, marks, endorsement, designation, or distinction.
   
   m) Steal or appropriate IABFM content or text for use in a similar web site or marketing or promotional material.
   
   
   YOU TAKE ON AND ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. IABFM PROVIDES THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, GUARANTEES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY STUFF OR MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND IABFM SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. YOU UNDERSTAND FURTHER THAT THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOU ACCESS SUCH MATERIALS AT YOUR RISK. IABFM HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS. IABFM may have banners or advertising on its site of which it has no control over the content of the banner or advertisement. Please notify the IABFM if any add is vulgar or explicit in nature. LIMITATION OF LIABILITY IN NO EVENT WILL IABFM BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF IABFM OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, IABFM'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
4. Equipment
   You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Site and all charges related thereto.
5. Indemnification
   You agree to indemnify, defend and hold harmless IABFM, its officers, managers, shareholders, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses (mental, computer, or physical), expenses, damages and costs, EMOTIONAL DISTRESS, worms, viri, virus, Trojans, including attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or your use and access of the Site.
6. Third Party Rights
   The provisions of paragraphs 3 (Use of the Site), and 5 (Indemnification) are for the benefit of IABFM and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
7. Term Termination
   Either party without notice may terminate this Agreement at any time after logging off of the site for any reason. The provisions of paragraphs I (sanction disclaimer, accreditation disclaimer), 1 (Copyright, Licenses and Idea Submissions), 3 (Use of the Site), 5 (Indemnification), 6 (Third Party Rights) and 11 (Miscellaneous) or offer and acceptance info or jurisdiction and venue agreements shall survive any termination of this Agreement.
8. Special Admonitions for International Use
   Recognizing the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
9. Dealings with Third Parties
   Your participation, correspondence or business dealings with any third party found on or through the Site, regarding the payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. You agree that IABFM shall not be responsible or liable for any loss, damage or other matters of any sort incurred as the result of any such dealings.
10. Links
    The Site may provide, or third parties may provide, links to non-IABFM Internet World Wide Web sites or resources. Because IABFM has no control over such sites and resources, you acknowledge and agree that IABFM is not responsible for the availability of such external sites or resources, and does not endorse or verify the truth of, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that IABFM shall not be responsible or liable or fraud, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
11. Miscellaneous
    This Agreement shall all be governed and construed in accordance with the laws of the State of Louisiana or the federal eastern district of Louisiana applicable to agreements made and to be performed in Louisiana. You agree that any legal action or proceeding between IABFM and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in the county/parish of Jefferson, state of Louisiana or in the federal courts in Orleans county/parish in New Orleans Louisiana. Any cause of action or claim you may have with respect to the Site must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. IABFM's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. IABFM may assign its rights and duties under this Agreement to any party at any time without notice or disclosure to you. The offers made here apply to membership only. Distinction and Designations are contingent upon education, experience, ethics agreement, prior or future testing, and continued education and good standing.

Naturally, a person must pay for membership before applying for certification, distinction, designation, or fellow status. Acceptance is made when candidates have paid and the money has been deposited. There is no guarantee of certification as a IABFM CERTIFICATIONS or, your money will be returned (excluding the processing fee of dollars) if you cannot, will not, or are incapable of satisfying the standards and qualifications of certification. With regard to certification, IABFM certifications, charters, and licenses are awarded on a yearly basis contingent upon a members good standing. Good standing implies that a member and certified individual is paid up in full as to his or her balance, abiding by the ethics agreement, has completed the continuing education, and all statements as to education, ethics, experience, credentials, certificates, and degrees earned are true and correct. If a member or certified member IABFM CERTIFICATIONS, , , or Fellow of the IABFM has not paid his or her dues and licensing fees, the IABFM may request the charter, certificate, and license from the x-member and the member who is not in good standing shall cease from using any of the IABFM symbols, marks, logos, designations, fellow status, distinctions, service marks, trademarks, and copyrights. Any member that knowingly uses our marks and designations without paying is subject to compensatory and punitive damages as well as any other legal damages and is subject to the jurisdiction and venue of the US District Courts of the Eastern District of Louisiana.

The IABFM does not guarantee safe delivery of any products, certificates, or letters. The IABFM will deliver what you have paid full consideration for within a reasonable time. Upon notification, the IABFM will make an effort to track you letter, certificates, or other information that was sent to you. We will guarantee that you receive a certificate with your name on it as long as you provide a save delivery place for your award.

You are responsible for submitting correct information as to you name, address, certificates desired, experience, credit card info, email address and other pertinent information that will allow the IABFM to process your request for certification or membership. Any liability for false information submitted falls upon the candidate who has misled the IABFM. The IABFM awards and licenses to use the registered marks are furnished to members who claim and state that they do indeed satisfy all of the standards and requirements that the IABFM has. These standards are to improve and recognize those who make a commitment to knowledge and education in the field of finance and investments. If the candidate has sent information to us, we mandate that Title 18 of the mail fraud statues apply to this and the submitter is supplying accurate information. Based on the information provided, we can easily determine if the candidate is dedicated to pursuing a career in an IABFM related field and will follow the IABFM continuing education and ethics guidelines.

All contract disputes will be held to the jurisdiction and venue of the federal courts of the eastern district of Louisiana. Additionally, the IABFM does not guarantee the character, skill, experience, education, ethics, or references of a member or certified member of our group. The IABFM grants membership to anyone who is for the innovation and progress of the field of finance investments and economic industry. Certified members have all submitted application information with their electronic signature that assures the IABFM that all education, ethics, testing, experience, references, talents, or skills are correct to the best of the knowledge of the applicant or candidate or submitter. Therefore, the IABFM has provided the same degree of protection to the public as any undergraduate college as to information provided and verification. The IABFM accepts no liability as to the skill and expertise of a member or certified member. These members are operating independently of our group and have been awarded membership and certification purely based on their submissions to us that have assured us that they have met the standards that the IABFM requires. If a member is in fact not qualified, the general public has a duty to notify the IABFM as to the certified members skill and the IABFM can have a hearing or review and notify the member of certified member as to the review.

If you read this site you are consenting to not disclose the information contained in this website in any hearing or legal manner or in any government forum without notifying IABFM first of your commitment to discuss our business in a forum such as a deposition or judicial or any other government related setting. You must notify us within 30 days of your intention of using our name or disseminating our content in any manner shape or form in any government regulated forum or any academic setting which your testimony or exhibits will be made part of the record of any record system.

The IABFM does not guarantee safe delivery of any products, certificates, or letters. The IABFM will deliver what you have paid full consideration for within a reasonable time. Upon notification, the IABFM will make an effort to track you letter, certificates, or other information that was sent to you. We will guarantee that you receive a certificate with your name on it as long as you provide a save delivery place for your award.

IABFM Ltd

How marks should be used by our members. Notice: The objective of this site is for membership, networking, research, and education. No legal, investment, accounting, or other professional regulated consulting is implied. If you desire to facilitate a legal or investment transaction, see a licensed or federal or state certified individual. We do not offer degrees, college degrees, university degrees of any kind or any sort. You must understand that professional organizations have been in existence for a very long time and ours like hundreds of others offers training and certificates or "Board Certification". We are an academic organization with high standards of ethics training and education.

Trademark Notice

Trademarks, Intellectual Property, Copyrights, Tradename, Service Marks etc. If you or any entity have a potential conflict with our use of any mark, it is you duty to notify us immediately so we may contact you regarding any dispute. We will prove our common law, copyright, and trademark protection and use of marks and names immediately, or we may promptly remove the conflicted mark to avoid any conflict or dispute.