Term & Conditions

Bayshore Finance (T&T) Ltd Website Terms and Conditions

Bayshore Finance (T&T) Ltd (BFTTL) being a licensed Money Lender is committed to full transparency and we want to ensure that our customers have access to all the important information to make the most responsible borrowing decision to meet their needs.


Last Updated: May 24, 2016


Introduction

By using our site or applying for a BFTTL product or service, you are agreeing to the terms and conditions set forth below. These Terms and Conditions constitute a legal contract between you and BFTTL and cover all aspects of your use of the BFTTL website, including all of its pages, and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide you. If necessary, please consult a legal expert for a clarification on any aspect of our terms and conditions.


We publish our website terms and conditions (“Terms and Conditions”) for everyone to see, at any time.


Notice

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OUR SITE AND ANY OF ITS PAGES (COLLECTIVELY, THE “BFTTL WEBSITE,” “BFTTL.COM” OR “OUR SITE”), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE INVITED TO LEAVE THE SITE NOW. IF AT ANY TIME YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, KINDLY CEASE YOUR USE OF THIS SITE.


1.  Eligibility; Privacy

The products and services offered through our site are not available to persons under the age of 18. BY CLICKING ANY BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE BFTTL WEBSITE YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE UTILIZING THIS WEBSITE FREELY AND NOT AS A RESULT OF ANY COERCION, SOLICITATION ETC. Bayshore Finance (T&T) Ltd (hereinafter “BFTTL”) has made a commitment to protecting the privacy of those who visit our site and access the products and services available therein. BFTTL’s Privacy Policy is hereby incorporated herein by reference.


2.  Registration: Accountholder Responsibilities

Certain areas of the BFTTL website (hereinafter “868loans.com,” “this Site” or “our Site”) are accessible only to registered accountholders. In order to access the registered-accountholder-only areas of 868loans.com, you will need the username and password you have created. You acknowledge that use of a username and a password is an adequate form of security. You are solely responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password, (2) not allowing another person to use your username or password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password, and (4) promptly informing BFTTL in writing of any need to deactivate a username due to security or other concerns. BFTTL is not liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use 868loans.com using your username or password. You must immediately notify BFTTL of any unauthorized use of your username or password and any breach of confidentiality. Until BFTTL receives this notification from you, you will be held liable for any harm ensuing from the use of your username on 868loans.com.


3.  Consent to Be Contacted by Telephone, Email or Postal Mail

By submitting your contact information to us, you are expressly consenting to be contacted by us by telephone, email or postal mail. In connection with Your Loan, We may need or want to contact You from time to time in connection with your account or any loan for which you have begun or completed the application process. By registering for a BFTTL account or beginning an application on our Site for any loan or service, you are consenting to be contacted by us by written notices, email messages, text messages, or telephone, and, in connection with any such telephone calls, you consent to the use prerecorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your BFTTL account, including mobile telephone numbers, or at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location, and contact information for you.


4.  Intellectual Property

The BFTTL website, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by BFTTL or third parties; all right, title and interest therein shall remain the property of BFTTL and/or such third party owner, as applicable. All content is protected by trade, copyright, patent and trademark laws, as well as various other intellectual property and unfair competition laws. You are authorized solely to view and retain a copy of the pages of the site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with BFTTL. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit this Site, or any portion of the Site for any public or commercial use without the express written consent of BFTTL. Additionally, you agree that you (i) will not remove or alter any author, trademark or other proprietary notice or legend displayed on this Site (or printed pages produced from this Site), and (ii) will not make any other modifications to any documents obtained from this Site other than in connection with completing information required to transact business with BFTTL.


5.  Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of BFTTL's web sites and systems including but not limited to unauthorized entry into BFTTL's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Your eligibility for particular products and services is subject to final determination by BFTTL and/or its affiliates.


6.  Links

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF BFTTL). BFTTL HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, BFTTL DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS BFTTL LIABLE FOR ANY FAILURE OF ANY PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF BFTTL AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE BFTTL SITE.


7.  NO WARRANTY

THE INFORMATION AND THESE MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". BFTTL DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THEM. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.


8.  LIMITATION OF LIABILITY

IN NO EVENT WILL BFTTL BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR 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 BFTTL OR OUR REPRESENTATIVES, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.


9.  Submissions

All information submitted to BFTTL via this site shall be deemed and remain the property of BFTTL, and BFTTL shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information a visitor to this site provides BFTTL through this site. BFTTL shall not be subject to any obligations of confidentiality regarding submitted information except as may be expressly agreed in writing by BFTTL or as otherwise specifically required by law.


10.  Availability

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.


11.  Additional Terms

Certain sections or pages on this site may contain additional terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. Without limiting the generality of the foregoing statement, any dispute relating to a BFTTL loan shall be subject to resolution by arbitration exclusively at the request of any party thereto and in accordance with the applicable loan agreement.

BFTTL works hard to offer you products and services that it believes to be useful and reliable; however, BFTTL does not provide, endorse, or guarantee these unaffiliated third-party products, services, or information nor does it guarantee their accuracy. BFTTL is not liable for any third party's failure with regard to such advertised products, services, and information.


12.  Minors

BFTTL is not directed at children under the age of eighteen years old. BFTTL does not knowingly collect personal information from children under eighteen years old from this website.


13.  Governing Law

Use of this site shall be governed by the laws of Trinidad and Tobago . BFTTL's offices are located in Trinidad.


Consent to Electronic Disclosures

BFTTL offers loans through our website – 868loans.com. To obtain a loan from us via our website, you must create an account on our website. To create an account with 868loans.com, you must (1) be able to access our website by using a personal computer or other device which is capable of accessing the Internet, (2) have an active email account through which you can receive emails from us, and (3) consent to our use of our website or emails to provide you any written information that we may be required to send you in connection with your account, your application for a loan, or your loan. By clicking the box next to “Accept Terms” on the Create Your Account page (868loans.com/Apply):

  • you acknowledge that you can access and read information we post on our website,
  • you agree to provide an email address that is active and effective for receiving emails from us,
  • you consent to receive electronically at Our website the notices and disclosures required by law related to your account, your application for a loan, and any loan we make to you, and
  • you acknowledge receiving the following disclosures.

Please read this Disclosure and Consent carefully and keep a copy for your records. Your consent is voluntary, but we cannot process your application or make a loan to you if you do not consent. If You are unwilling to receive these disclosures and notices electronically, You may cancel this transaction at no cost by closing your browser at any time before you click “Accept Terms.”


Scope of Communications to Be Provided in Electronic Form

Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your account, your application for a BFTTL loan product or service, and any loan product or service we agree to provide you (each, a “Communication”).Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided either (1) via email, (2) by making it available online and accessible via your account “dashboard,” or (3) by requesting you download a PDF file containing the Communication.


How to Withdraw Consent

You may at any time withdraw your consent to receive Communications in electronic form. To begin receiving Communications in paper form, please contact us at the following address: Bayshore Finance (T&T) Ltd, 5 Gaston Street, Lange Park Industrial Estate, Chaguanas, Trinidad. Please specify the information you wish to receive in paper form. Be sure to state that you are requesting a copy of the disclosures, notices, etc., and include your name and mailing address. Your request will apply only to those specific items You designate. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.


How to Update Your Records

It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to your account, and to maintain and update promptly any changes in this information. You can update information (such as your email address) through your account dashboard by logging on using your username and password.


Hardware and Software Requirements

To access, view, and retain electronic Communications that we make available to you, you must have:

  • A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
  • An Internet web browser which is capable of supporting 128-bit SSL encrypted communications (this ensures that the information sent between us and you is transmitted and stored safely.
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit, and the ability to download and store files, including PDF files.
  • Connection to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via email or by access to our web site using a browser.

Retaining Copies of the Communications

To retain a copy of any Communication we will provide electronically you can download electronic copy to Your computer or a storage device (such as a disk or USB storage device), or request us to send You an email, or print copies on a printer attached to your computer. You will not be charged for a downloaded or emailed copy.