Terms of Use

PLEASE READ THESE TERMS CAREFULLY. SECTION 16 CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT REQUIRE YOU TO RESOLVE DISPUTES WITH US THROUGH INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO A JURY TRIAL. SECTIONS 13 THROUGH 15 LIMIT OUR LIABILITY AND REQUIRE YOU TO INDEMNIFY US.

1. Acceptance of These Terms

These Terms of Use (“Terms”) are a binding agreement between you and HFB, LLC, a Nevada limited liability company doing business as HFB Expert (“HFB Expert,” “we,” “us,” or “our”). They govern your access to and use of www.hfbexpert.com and all related pages, features, content, and services (together, the “Site”).

By accessing or using the Site, creating an account, purchasing a membership, or clicking to accept these Terms, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site. If you use the Site on behalf of a company or other entity, you represent that you have authority to bind that entity, and “you” includes that entity.

2. Changes to These Terms and the Site

We may change these Terms at any time, in our sole discretion, by posting the updated Terms on the Site with a new Effective Date. Changes take effect when posted, except as stated in Section 16.10. We may, but are not required to, give additional notice. Your continued use of the Site after changes are posted means you accept them. You are responsible for reviewing these Terms periodically.

We may change, suspend, or discontinue any part of the Site, including any feature, category, membership tier, or price, at any time, with or without notice, and without liability to you.

3. Eligibility and Accounts

3.1 Eligibility. The Site is for businesses and professionals in or serving the hospitality industry. You must be at least 18 years old and able to form a binding contract. We may refuse registration or service to anyone, for any reason or no reason, at our sole discretion.

3.2 Accurate information. You must provide accurate, current, and complete information and keep it up to date. We may verify any information you provide but have no obligation to do so.

3.3 Account security. You are solely responsible for keeping your username and password confidential and for all activity under your account, whether or not you authorized it. Notify us immediately of any unauthorized use. We are not liable for any loss caused by unauthorized use of your account.

3.4 No transfer. Your account and membership are personal to you. You may not sell, transfer, or share them without our prior written consent. We may assign or transfer accounts as part of a business transfer.

4. The Directory and Member Listings

4.1 Directory only. HFB Expert is an online directory. We are not a party to, and have no responsibility for, any communication, transaction, contract, or relationship between users, including between hospitality owners or operators and listed vendors, trades, service providers, or consultants (“Listed Businesses”). We are not a contractor, broker, agent, employment agency, referral service, or professional services provider.

4.2 No endorsement or verification. A listing, category, membership tier, badge, ranking, or placement is not an endorsement, recommendation, certification, or guarantee by HFB Expert. We do not screen, vet, license-check, background-check, or verify any Listed Business, including its identity, qualifications, licenses, insurance, bonding, pricing, availability, or the quality, legality, or safety of its work. You are solely responsible for investigating any Listed Business and for any decision to hire, buy from, or rely on one.

4.3 Your listing is your responsibility. You are solely responsible for your listing and everything you submit to the Site (“Member Content”). You represent and warrant that your Member Content is accurate, complete, not misleading, and lawful; that you hold every license, permit, registration, and insurance required for the services you offer in every area you claim to serve; and that your Member Content does not infringe or violate anyone’s rights.

4.4 Our control over listings. We decide, in our sole discretion, whether and how listings appear, including their categories, order, ranking, placement, format, and search results. Paid tiers may receive greater visibility. We may edit, reformat, reclassify, refuse, hide, or remove any listing or Member Content at any time, for any reason or no reason, without notice or refund. We have no obligation to monitor Member Content, and we are not responsible for any of it.

4.5 Licensed professionals. If you are a lawyer, accountant, engineer, architect, contractor, or other licensed professional, you are solely responsible for complying with all rules that govern your profession, including rules on advertising, solicitation, client communications, and fees. Your listing is advertising that you control. Membership fees are paid for a directory listing only and are not referral fees, and HFB Expert does not recommend or refer any professional.

4.6 Dealings with Listed Businesses. Any dispute between you and another user or a Listed Business is solely between you and that party. You release HFB Expert and its owners, officers, employees, and agents from all claims, demands, and damages of every kind, known and unknown, arising from or connected with any such dispute. If you are a California resident, you waive California Civil Code § 1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You waive any similar law of any other jurisdiction.

5. License to Your Member Content

You keep ownership of your Member Content. By submitting it, you grant HFB Expert and its affiliates, successors, and assigns a worldwide, non-exclusive, royalty-free, fully paid, perpetual, irrevocable, transferable, and sublicensable license to use, host, store, reproduce, modify, adapt, publish, display, distribute, and create derivative works from your Member Content, including your name, business name, trademarks, and logos, in any media now known or later developed, for operating, promoting, and marketing the Site and HFB Expert. This license survives termination of your account. You waive any moral rights and any right to approve how your Member Content is used.

Feedback. Any suggestions, ideas, or feedback you send us belong to HFB Expert, and we may use them for any purpose without obligation or compensation to you.

6. Memberships, Fees, and Payment

6.1 Tiers. We offer a free Basic membership with limited features and paid memberships (currently Bronze, Silver, and Gold) for the terms and prices shown on the Site at the time of purchase. We decide what features each tier includes and may change features, tiers, and prices at any time. Price changes apply to your next renewal term.

6.2 Payment. You authorize us and our payment processor to charge your payment method for all fees, applicable taxes, and renewal fees when due. All fees are in U.S. dollars and are due in full in advance. You are responsible for all taxes other than taxes on our net income. If a payment fails, we may retry the charge, suspend or downgrade your listing, and recover unpaid amounts, plus reasonable collection costs and attorneys’ fees.

6.3 Automatic renewal. Paid memberships renew automatically at the end of each term for a term of the same length, at our then-current price, and your payment method will be charged unless you cancel before the renewal date. You can cancel automatic renewal at any time by emailing [email protected]. Cancellation takes effect at the end of the current term, and your listing will then revert to Basic or be removed, at our discretion.

6.4 No refunds. All fees are non-refundable and non-cancellable, including for partial terms, unused time, downgrades, early cancellation, and suspension or termination of your account for violating these Terms, except where a refund is required by law. Multi-year memberships are prepaid for the full term and are not refundable in whole or part. If we discontinue a paid tier or the Site entirely, our sole obligation is, at our option, to move you to a comparable tier or refund the unused portion of your prepaid fees.

6.5 Discount codes. Discount and promotional codes have no cash value, are not transferable, may not be combined, apply only to the first term unless stated otherwise, and may be modified or revoked by us at any time. We may cancel any purchase made with a code we believe was obtained or used improperly.

6.6 Chargebacks. If you dispute a charge with your card issuer instead of contacting us first, we may suspend or terminate your account and listing immediately. You remain liable for all amounts owed, plus any chargeback fees and collection costs we incur.

7. Acceptable Use

You may not, and may not help anyone else:

• Post false, misleading, or unlicensed claims, or impersonate any person or business
• List services you are not licensed, insured, or qualified to provide
• Scrape, crawl, harvest, copy, or compile listings or user data by automated or manual means, or use the directory to build a competing directory, database, or lead list
• Send spam or unsolicited commercial messages to users or Listed Businesses using information obtained from the Site
• Post content that is unlawful, defamatory, infringing, harassing, obscene, or discriminatory
• Upload malware, probe or breach security, overload the Site, or interfere with its operation
• Reverse engineer, frame, mirror, or resell any part of the Site
• Create multiple accounts or evade a suspension
• Use the Site in violation of any law or these Terms

We may investigate any suspected violation and cooperate with law enforcement. Because damage from scraping and misuse is hard to measure, you agree that we may obtain injunctive relief for any breach of this Section without posting a bond, in addition to any other remedies.

8. Our Intellectual Property

The Site and all of its content, other than Member Content, including the directory compilation, categories, design, text, graphics, logos, software, and the HFB Expert name and marks, are owned by HFB Expert or its licensors and protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your own internal business purposes, subject to these Terms. We reserve all other rights.

9. Copyright Complaints

If you believe content on the Site infringes your copyright, send a notice under the Digital Millennium Copyright Act, 17 U.S.C. § 512, to our designated agent: HFB, LLC, 625 S. 6th St., #408, Las Vegas NV 89101, [email protected]. Your notice must include the information required by 17 U.S.C. § 512(c)(3). We may remove content and terminate the accounts of repeat infringers.

10. Third-Party Sites and Services

The Site may link to websites of Listed Businesses, social media platforms, payment processors, and other third parties. We do not control and are not responsible for them, and your use of them is at your own risk and governed by their terms.

11. Suspension and Termination

We may suspend, restrict, downgrade, or terminate your account, listing, or access to the Site at any time, for any reason or no reason, with or without notice, and without refund or liability. You may close your account at any time by contacting us; closing your account does not entitle you to a refund. Sections 4.3, 4.6, 5, 6.2, 6.4, 6.6, 7, 8, and 13 through 18, and any other terms that by their nature should survive, survive termination.

12. Electronic Communications

You consent to receive communications from us electronically, including by email and notices on the Site, and agree that they satisfy any legal requirement that communications be in writing. Notices to you are effective when sent to the email address in your account.

13. Disclaimers

THE SITE, THE DIRECTORY, ALL LISTINGS AND CONTENT, AND ALL MEMBERSHIPS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, HFB EXPERT DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT LISTINGS ARE ACCURATE, CURRENT, OR COMPLETE; THAT ANY LISTED BUSINESS IS LICENSED, INSURED, QUALIFIED, OR TRUSTWORTHY; OR THAT A MEMBERSHIP WILL PRODUCE ANY LEADS, INQUIRIES, CUSTOMERS, REVENUE, OR SEARCH RANKING. NOTHING ON THE SITE IS LEGAL, FINANCIAL, TAX, ENGINEERING, OR OTHER PROFESSIONAL ADVICE. YOUR USE OF THE SITE AND YOUR DEALINGS WITH ANY LISTED BUSINESS ARE AT YOUR SOLE RISK.

14. Limitation of Liability

14.1 Excluded damages. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL HFB EXPERT OR ITS OWNERS, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA, OR COSTS OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS, EVEN IF ADVISED OF THEIR POSSIBILITY.

14.2 Cap. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS, UNDER ANY THEORY, WILL NOT EXCEED THE GREATER OF (A) THE MEMBERSHIP FEES YOU ACTUALLY PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

14.3 Third parties. WE ARE NOT LIABLE FOR THE ACTS, OMISSIONS, WORK, PRODUCTS, SERVICES, OR CONTENT OF ANY USER, LISTED BUSINESS, OR OTHER THIRD PARTY, OR FOR ANY PROPERTY DAMAGE, PERSONAL INJURY, OR LOSS RESULTING FROM YOUR DEALINGS WITH THEM.

14.4 Basis of the bargain. These limitations apply to all claims, whether in contract, tort (including negligence), strict liability, statute, or otherwise, and even if a remedy fails of its essential purpose. They are an essential part of the bargain, and we would not provide the Site without them.

14.5 Non-waivable rights. Some jurisdictions do not allow certain exclusions or limitations. In those jurisdictions, our liability is limited to the fullest extent permitted by law, and nothing in these Terms limits liability that cannot be limited by law.

15. Indemnification

You will defend, indemnify, and hold harmless HFB Expert and its owners, affiliates, officers, employees, agents, licensors, and service providers from and against all claims, demands, actions, losses, liabilities, damages, judgments, settlements, fines, penalties, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to (a) your use of the Site; (b) your Member Content or listing; (c) your services, products, work, or conduct, including your dealings with any user or Listed Business; (d) your breach of these Terms or of any representation or warranty; or (e) your violation of any law or the rights of any third party. We may control the defense of any matter subject to indemnification at your expense, and you will cooperate fully. You may not settle any such matter without our prior written consent.

16. Dispute Resolution: Binding Arbitration and Class Action Waiver

16.1 Informal resolution first. Before starting arbitration, you must send a written notice describing your claim and the relief you seek to [email protected] and 625 S. 6th St., #408, Las Vegas NV 89101, and try in good faith to resolve it with us for 60 days. Any limitations period is tolled during this 60-day period.

16.2 Agreement to arbitrate. Except as stated in Sections 16.4 and 16.5, any dispute, claim, or controversy between you and HFB Expert arising out of or relating to the Site, these Terms, the Privacy Policy, or any membership (a “Dispute”) will be resolved exclusively by final and binding individual arbitration. The arbitrator, and not any court, has exclusive authority to decide all issues of arbitrability, including the scope, validity, and enforceability of this Section, except as stated in Section 16.6. The Federal Arbitration Act governs this Section.

16.3 Rules and location. Arbitration will be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules or, if you are an individual using the Site primarily for personal, family, or household purposes, its Consumer Arbitration Rules, before a single arbitrator. The arbitration will take place in Las Vegas, Clark County, Nevada, unless the parties agree otherwise, and may be conducted by video conference or on written submissions. Judgment on the award may be entered in any court of competent jurisdiction.

16.4 Small claims. Either party may bring an individual claim in small claims court in Clark County, Nevada, if it qualifies.

16.5 Our carve-out. HFB Expert may bring any claim in court (a) to protect its intellectual property, (b) for breach of Section 7, or (c) to collect fees or other amounts owed, and may seek temporary, preliminary, or permanent injunctive relief in court at any time.

16.6 Class action and jury trial waiver. YOU AND HFB EXPERT MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON OR AWARD RELIEF TO ANYONE OTHER THAN THE INDIVIDUAL PARTY. YOU WAIVE ANY RIGHT TO A JURY TRIAL. A court, not an arbitrator, decides any challenge to this Section 16.6. If this Section 16.6 is found unenforceable as to any claim, that claim must be severed and heard in court after the arbitration of all other claims, and must not proceed in arbitration.

16.7 Fees. For claims seeking less than $10,000, we will pay any AAA filing, administrative, and arbitrator fees that exceed $250. Otherwise, fees are allocated under the AAA rules.

16.8 Time limit. Any claim you have arising out of or relating to the Site or these Terms must be filed within one (1) year after it arises, or it is permanently barred, to the fullest extent permitted by law.

16.9 Attorneys’ fees. If HFB Expert prevails in any arbitration or court proceeding arising out of or relating to these Terms or the Site, including any action to enforce these Terms or collect amounts owed, you will pay HFB Expert’s reasonable attorneys’ fees, costs, and expenses.

16.10 Changes to this Section. Any change we make to this Section 16 will not apply to any Dispute of which we had written notice before the change took effect.

17. Governing Law and Venue

These Terms and any Dispute are governed by the laws of the State of Nevada, without regard to its conflict-of-laws rules, and, as to Section 16, by the Federal Arbitration Act. For any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Clark County, Nevada, and waive any objection based on inconvenient forum.

18. General Terms

These Terms and the Privacy Policy are the entire agreement between you and us about the Site and supersede all prior agreements and communications. We may assign or transfer these Terms, in whole or part, without restriction or notice; you may not assign them without our prior written consent, and any attempted assignment is void. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the rest of these Terms will remain in effect. Our failure to enforce any right is not a waiver. We are not liable for any delay or failure caused by events beyond our reasonable control. There are no third-party beneficiaries. The word “including” means “including without limitation.” Headings are for convenience only. These Terms will not be construed against the drafter. No agency, partnership, joint venture, or employment relationship is created by these Terms.

19. Contact

HFB, LLC d/b/a HFB Expert
625 S. 6th St., #408

Las Vegas, NV
Email: [email protected]
Online: hfbexpert.com/contact