top of page
C.B.A.C., also known as Cooperative Business Assistance Corporation, is The Beacon for Small Business Lending
Picture of Coffee cup and office desk materials

Terms of Use

Privacy Policy

Cooperative Business Assistance Corporation (CBAC)

Terms of Use

Welcome to (the "Site") operated by Cooperative Business Assistance Corporation, a.k.a. CBAC ("we," "our," or "us"). Please read these Terms of Use carefully. By accessing, visiting, or using the Site, you agree to these Terms of Use. If you do not agree to these Terms of Use, you should not access, visit or use this Website.



By using our Site, you represent that you are at least 13 years old. Persons who are at least 13 years of age but under the age of 18 may only use our Site with legal parental or guardian consent. Accordingly, you agree that you are at least 18 years of age or older, possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, representations, and warranties outlined in the Terms of Use; otherwise, please exit the Site.


Changes to These Terms of Use or The Site

We may change or modify these Terms of Use from time to time without notice other than posting the amended Terms of Use on the Site. The amended Terms of Use will automatically be effective when posted on our Site. Your continued use of our Site after any changes in these Terms of Use shall constitute your consent to such changes. CBAC reserves the right to change, modify or discontinue, temporarily or permanently, the Site (or any portion thereof), including any and all content contained on the Site, at any time without notice. You agree that CBAC shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site (or any portion thereof).

The information and materials in these pages, and the terms, conditions, and descriptions that appear, are subject to change without notice.


User Conduct

By using the Site, you agree not to:

  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate as determined by us;

  • Interfere with the operation of the Site or any user's enjoyment of the Site, including without limitation by (i) uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code; (ii) making unsolicited offers or advertisements to other users of the Site; (iii) attempting to collect personal information about users or third parties without their consent; or (iv) interfering with or disrupting any networks, equipment, or servers connected to or used to provide the Website, or violating the regulations, policies, or procedures of such networks, equipment, or servers;

  • Perform any fraudulent activity including impersonating any person or entity, claiming false affiliations, or accessing the accounts of others without permission;

  • Attempt to do any of the preceding in this Section, or assist or permit any persons in engaging or attempting to engage in any of the activities described in this Section.


Violation of any of the above might, at any time without prior notice, result in a warning, temporary limit, suspension or immediate termination of your account or your access to the Site, reporting of your conduct to authorities, or legal action, as may be appropriate in the sole discretion of CBAC. You acknowledge that CBAC is not responsible for and does not assume any liability for users' acts or omissions, including, without limitation, concerning the activities as mentioned previously.


Intellectual Property

You acknowledge that all materials at the Site, including the Site's design, graphics, text, sounds, pictures, software, and other files and the selection and arrangement thereof (collectively, "Materials"), are the property of, CBAC and/or its licensors, and government and private partners, and are subject to and protected by the United States and international copyright and other intellectual property laws and rights. All rights to Materials not expressly granted in these Terms of Use are reserved to their respective copyright owners. CBAC authorizes you to view and download the Materials only for use, provided that you keep intact all copyright and other proprietary notices contained in the original Materials. Except as expressly authorized by these Terms of Use, you may not copy, reproduce, distribute, republish, download, perform, display, post, transmit, exploit, create derivative works, or otherwise use any of the Materials in any form or by any means, without the prior written authorization of CBAC or the respective copyright owner.


In the absence of a written agreement, you are not permitted to modify or adapt the Materials in any way or otherwise use them for any use not related to CBAC. The trademarks, service marks, trade names, trade dress, and logos (collectively, "Marks") contained or described at the Site are the sole property of CBAC, its government and private partners, and/or licensors and may not be copied, altered or otherwise used, in whole or in part, without the prior written authorization of CBAC, its partners, and/or its licensors. In addition, all page headers, custom graphics, button icons, and scripts are the property of and CBAC, and they may not be copied, imitated, or otherwise used, in whole or in part, without the prior written authorization of and/or CBAC. CBAC and our partners reserve the right to enforce our intellectual property rights to the fullest extent of the law.

No Warranty

The information and materials contained in this Site – including text, graphics, links, or other items – are provided "as is," "as available." CBAC does not warrant the accuracy, adequacy, or completeness of this information and materials and expressly disclaims liability for error or omissions in this information and materials. No warranty of any kind, implied, express, or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose, is given in conjunction with the information and materials. CBAC further does not warrant that the Site or format of the information or materials are free of errors or viruses and are not liable for any damage you might suffer as a result of such destructive features.  


Limitation of Liability

In no event will CBAC be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation, or transmission, computer virus, or line or system failure, even if CBAC or a representative thereof, are advised of the possibility of such damages, losses, or expenses. Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by CBAC.


Restrictions on Usability

The use of this Website and the information and materials contained in this Site for any illegal purpose or in any manner inconsistent with the terms set forth herein is strictly prohibited. This Website and the information and materials contained in this Site are to be used solely for your own use and benefit and are not to be used for resale or other transfer to, or use by or for the benefit of, any other person or entity. You agree not to copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, create derivative works from, transmit or in any way exploit any part of the information or materials on the Site except that you may download material and/or make print copies for your own use without the express written permission of CBAC or our partners, where applicable.


External Links

We may provide links to other websites that are operated by third parties not affiliated with CBAC. These links are provided for your convenience. We do not endorse or take responsibility for the content of those websites, are not responsible for the availability of them, and will not be liable in any way for any loss or damage which you may suffer by using those websites.  Different terms and conditions and privacy policies may apply to your use of any linked sites.

If you decide to access linked websites, you do so at your own risk. We do not take responsibility for the content on those websites, are not responsible for the availability of them, and will not be liable in any way for any loss or damage which you might suffer by using those websites.  Different terms and conditions and privacy policies might apply to your use on those sites.


Applicable Law

These Terms of Use are governed by and will be construed in accordance with the laws of the United States and the State of New Jersey. Any disputes arising under or in connection with these Terms of Use or your access or use of the Site shall be subject to the state and federal courts' exclusive jurisdictions in the State of New Jersey.


Contact Us

Questions regarding these terms should be addressed to:


Terms of Use:  Added November 2, 2021

bottom of page