Terms & Conditions

Effective Date: July 10, 2026

Welcome to the website and services of CROSKEY FAMILY BUSINESS LLC DBA CFB HOLDINGS CO. ("CFB Holdings Co.", "Company", "we", "our", or "us"). By accessing our website, submitting forms, scheduling appointments, or using our services, you agree to these Terms & Conditions. If you do not agree with these Terms, please do not use our website or services.

Company Information

CROSKEY FAMILY BUSINESS LLC DBA CFB HOLDINGS CO.

Website: https://ic.croskey360.com

Phone: (253) 241-0777

Email: [email protected]

Use of Website

You agree to use this website only for lawful purposes.

You agree not to:

Violate any applicable laws or regulations.

Attempt unauthorized access to our systems.

Interfere with website functionality.

Upload malicious software.

Use our services fraudulently.

We reserve the right to suspend or terminate access if these Terms are violated.

Services

CFB Holdings Co. provides consulting, business services, facility services, investment-related services, and other professional solutions.

All services are subject to availability.

Nothing on this website constitutes legal, tax, financial, or investment advice unless expressly stated in a written agreement.

User Responsibilities

You agree that all information you provide is accurate and complete.

You are responsible for updating your information whenever it changes.

Providing false or misleading information may result in denial or termination of services.

Intellectual Property

All website content including text, graphics, logos, images, videos, software, designs, trademarks, and other materials are owned by or licensed to CFB Holdings Co.

No content may be copied, reproduced, distributed, modified, or republished without prior written permission.

Third-Party Services

Our website may contain links to third-party websites.

We are not responsible for the content, privacy practices, or services provided by third parties.

Your use of third-party websites is at your own risk.

SMS Terms & Conditions

By providing your mobile phone number and expressly opting in, you consent to receive SMS text messages from CFB Holdings Co.

These messages may include:

Appointment reminders

Customer support communications

Service updates

Account notifications

Marketing and promotional messages (only if you have separately consented)

Business announcements

Message Frequency

Message frequency varies depending on your interactions with our business.

Message & Data Rates

Message and data rates may apply according to your wireless carrier's plan.

Opt-Out

You may opt out of SMS communications at any time by replying:

STOP

After sending STOP, you will receive one final confirmation message and will no longer receive SMS messages unless you opt in again.

Help

Reply:

HELP

for assistance.

You may also contact us:

Phone: (253) 241-0777

Email: [email protected]

Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your wireless carrier and network availability.

Age Requirement

You must be at least 18 years of age, or the age of majority in your jurisdiction, to enroll in our SMS messaging program.

By opting into SMS communications, you represent that you meet this requirement.

Consent

Your consent to receive SMS messages is not a condition of purchasing any goods or services.

You may withdraw your consent at any time by replying STOP.

Privacy

Your use of our services is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect your information.

Payments

Where applicable, payment for services must be made according to the terms outlined in your agreement or invoice.

Late or failed payments may result in suspension or termination of services.

Disclaimer of Warranties

Our website and services are provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including warranties of:

Merchantability

Fitness for a particular purpose

Non-infringement

We do not guarantee uninterrupted or error-free operation of our website or services.

Limitation of Liability

To the fullest extent permitted by law, CFB Holdings Co., its employees, affiliates, officers, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

Your use of the website

Service interruptions

Errors or omissions

Unauthorized access

Loss of data

Technical failures

Indemnification

You agree to indemnify and hold harmless CFB Holdings Co., its employees, officers, affiliates, and agents from any claims, damages, liabilities, losses, costs, or expenses arising from:

Your use of our website or services

Your violation of these Terms

Your violation of applicable law

Your infringement of the rights of any third party

Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time.

Updated versions will be posted on this page with a revised Effective Date.

Continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State in which CROSKEY FAMILY BUSINESS LLC DBA CFB HOLDINGS CO. is registered, without regard to conflict of law principles.

Contact Information

If you have any questions regarding these Terms & Conditions, please contact us:

CROSKEY FAMILY BUSINESS LLC DBA CFB HOLDINGS CO.

Website: https://ic.croskey360.com

Phone: (253) 241-0777

Email: [email protected]