Last updated 09OCT2025

Welcome to UBFH ("we," "us" or "our"). By using this website ubfh.com (the "Site"), you agree to the following terms and conditions. Please read them carefully.

1. General Information
The information provided on this Site is for general informational purposes only. While we strive to keep the information accurate and up to date, we make no warranties or representations regarding its completeness, reliability, or suitability. Your use of any information on this Site is at your own risk.

2. Intellectual Property
All content, graphics, logos, and materials on this Site are the property of UBFH or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or reuse any content without prior written permission.

3. Limitation of Liability
To the fullest extent permitted by law, UBFH shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this Site, including any errors or omissions in content.

4. Third-Party Links
This Site may contain links to third-party websites. These links are provided for your convenience only. We do not endorse and are not responsible for the content or policies of any third parties.

5. No Professional Advice
The information provided on this Site does not constitute professional advice. You should consult with a qualified professional for advice regarding your specific situation.

6. Governing Law
These terms are governed by the laws of The United States of America. Any disputes arising shall be subject to the exclusive jurisdiction of the courts located in The United States of America.

7. Changes to This Notice
We reserve the right to update or change this legal notice at any time without prior notice. Your continued use of the Site after changes constitutes your acceptance of the updated terms.

Contact Us
If you have any questions about this legal notice, please contact us using the contact us page.