Terms & Conditions

Effective date: December 1, 2025

Welcome to the website of LBF Advisory (“LBF Advisory,” “we,” “us,” “our”). These Terms of Use govern your access to and use of www.lbf-advisory.com (the “Site”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1) Informational purposes only

The Site content is provided for general informational and educational purposes only and is not legal, tax, accounting, or investment advice. Nothing on the Site is intended as, or should be construed as, an offer to sell or a solicitation of an offer to buy any securities or financial products.

2) Consulting services; no investment advisory services

LBF Advisory operates as a consulting practice. Unless explicitly set forth in a written engagement agreement, LBF Advisory does not provide investment advisory services, does not provide personalized recommendations to buy or sell securities, and does not receive or maintain custody of client assets.

3) No professional or client relationship created

Viewing the Site, using its content, or contacting us through the Site does not create a client, advisory, fiduciary, or other professional relationship. Any engagement is effective only when confirmed by a written agreement signed by both parties.

4) Accuracy; no guarantees

We strive to keep Site content current and accurate, but we do not warrant that the content is complete, reliable, or up to date. Any reliance on the Site content is at your own risk.

5) Third-party links

The Site may contain links to third-party websites or services. LBF Advisory does not control and is not responsible for third-party content, availability, or privacy practices. Links are provided for convenience and do not imply endorsement.

6) Intellectual property

All content on the Site—including text, graphics, logos, and design—is owned by LBF Advisory or used with permission and is protected by applicable intellectual property laws. You may view, download, and print portions of the Site for personal, non-commercial use only. Any other use requires our prior written consent.

7) Acceptable use

You agree not to:

  • Use the Site in violation of any applicable laws or regulations

  • Attempt to access, disrupt, or interfere with the Site’s systems or security

  • Introduce malware, scraping tools, or other harmful code

  • Use the Site for any commercial purpose without permission

8) Disclaimers

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9) Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LBF ADVISORY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SITE.

10) Changes to these Terms

We may update these Terms from time to time. The “Effective date” above indicates when these Terms were last revised. Continued use of the Site after changes constitutes acceptance of the updated Terms.

11) Governing law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.

12) Contact

Questions about these Terms may be directed to: info@lbf-advisory.com.