Terms & Conditions
Terms & Conditions

Rely on a firm that has successfully provided financial solutions worldwide since 2003.

The Bao Lyon Group, LLCTerms & Conditions

Last Revised: December 2022

Please read these Terms & Conditions ("Terms") carefully before using this site. By accessing and using The Bao Lyon Group, LLC ("BLG Group") Web Sites and Materials, you acknowledge and agree to abide by the following Terms & Conditions. If you do not agree to these Terms, do not use The Bao Lyon Group, LLC Web Sites, download any Materials or subscribe to their Services.

Scope of Terms

These Terms of Use apply to all The Bao Lyon Group, LLC websites, whether a sponsored site, managed through a third party vendor or hosted by a third party (referred to hereafter as the "Web Sites"). These Terms also apply to any resources and tools provided through The Bao Lyon Group, LLC Web Sites, including but not limited to download areas, research areas, sharing sites and product information. These Terms apply to all The Bao Lyon Group, LLC Web Sites, both now and in the future. Hereafter, all the materials covered by these Terms & Conditions will be referred to as the "Materials."

Privacy and Security

Personal Information: Information submitted to The Bao Lyon Group, LLC through forms on the Web Sites or Materials is governed according to The Bao Lyon Group, LLC's Privacy Policy.
Member Account, Password, and Security: The Bao Lyon Group, LLC may, from time to time, host a program or activity specific site that may require you to establish a member account and/or site password. In such cases, you are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify The Bao Lyon Group, LLC immediately of any unauthorized use of your account or any other breach of security here. The Bao Lyon Group, LLC will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by The Bao Lyon Group, LLC or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

Terms of Use

Personal Non-Commercial Use: This Web Site is for personal and non-commercial use. Unless otherwise specified or as provided in these Terms, you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Materials.
You may not use or facilitate the use of this site or any Materials in connection with any infringement analysis concerning The Bao Lyon Group, LLC products and/or services. 

No Unlawful or Prohibited Use: You agree that you will not use the Web Sites or Material for any purpose that is unlawful or prohibited by these Terms of Use. You may not:
  • Upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
  • Use the Web Sites, Materials, Services or activities to "stalk" or otherwise harass or harm another;
  • Impersonate any person or entity, including, but not limited to, a The Bao Lyon Group, LLC official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity or collect or store personal data about other users in connection with the prohibited conduct and activities;
  • Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Web Site or Materials;
  • Upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • Upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • You may not use the Web Site or Materials in any manner that could damage, disable, overburden, or impair any The Bao Lyon Group, LLC server, or network(s) connections, disobey any requirements, procedures, policies or regulations of networks connected to the Web Site or Materials or interfere with any other party's use and enjoyment of the Web Sites or Materials;
  • You may not attempt to gain unauthorized access to any Web Site or Material, other accounts, computer systems or networks connected to any The Bao Lyon Group, LLC server or Materials, through hacking, password mining or any other means or obtain or attempt to obtain any materials or information through any means not intentionally made available through the Web Sites or Materials;
  • Intentionally or unintentionally violate any applicable local, state, national or international law.
Copyright Permission: The copyright in all content posted on www.expertrecover.com, the Web Site of The Bao Lyon Group, LLC. To request permission to use content outside of editorial purposes please submit your request via e-mail here. Please include a description of your proposed usage of the materials, along with a link or copy of the materials being requested and your contact information

Notices and Disclosures

Exclusions of Warranty: The Materials and The Bao Lyon Group, LLC Web Sites are provided by The Bao Lyon Group, LLC direct or indirect subsidiaries and affiliates ("The Bao Lyon Group, LLC") as a service to its customers and are for informational purposes only. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

  • YOUR USE OF THE WEB SITES AND MATERIALS IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THE BAO LYON GROUP, LLC INTELECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE.
  • ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
    • IN NO EVENT SHALL THE BAO LYON GROUP, LLC OR ITS CONTRACTORS/SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEB SITES OR MATERIALS, EVEN IF THE BAO LYON GROUP, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
Limitation of Liability: YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE BAO LYON GROUP, LLC AND ITS LICENSORS SHALL NOT BE LIABLE TO YOU FOR:

  • IN NO EVENT SHALL THE BAO LYON GROUP, LLC AND/OR ITS RESPECTIVE CONTRACTORS/SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY SOFTWARE, DOCUMENTS, PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR INFORMATION AVAILABLE FROM THE WEB SITE.
  • ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY CONTENT, OR ANY CHANGES THE BAO LYON GROUP, LLC MAY MAKE TO THE SERVICES, DOCUMENTS, WEB SITE, CONTENT OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE WEB SITE (OR ANY FEATURES WITHIN THE WEB SITES); OR IF APPLICABLE, YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL;
  • THESE LIMITATIONS ON THE BAO LYON GROUP, LLC'S LIABILITY SHALL APPLY WHETHER OR NOT THE BAO LYON GROUP, LLC HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES.

Indemnification: You agree to indemnify and hold The Bao Lyon Group, LLC and its officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post, transmit or otherwise make available through the Web Sites or Materials, your use of the Web Sites or Materials, your connection to the Web Sites or Materials, your violation of these Terms of Use or site specific Terms of Use, or your violation of any rights of another.

Accuracy and Completeness: The Bao Lyon Group, LLC does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within the Web Sites or Materials.

Changes and Updates: The Bao Lyon Group, LLC reserves the right to modify or discontinue, temporarily or permanently, Web Sites or Materials (or any part thereof) with or without notice. The Bao Lyon Group, LLC may make changes to Web Sites or Materials, or to the products described therein, at any time without notice. The Bao Lyon Group, LLC makes no commitment to update the Web Sites or Materials.

Content Related Notices

Ownership: You acknowledge and agree that The Bao Lyon Group, LLC owns all legal rights, title and interest in and to the Materials and Web Sites, including any The Bao Lyon Group, LLC trade names, trademarks, service marks, logos, domain names, and other distinctive brand features therein (whether those rights happen to be registered or not and that they are protected by worldwide copyright laws and treaty provisions. They may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way without The Bao Lyon Group, LLC's prior written permission. Except as expressly provided herein, The Bao Lyon Group, LLC does not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secret information.

Translations: Where The Bao Lyon Group, LLC has provided you with a translation of the English language version of these Terms of Use, you agree that the translation is provided for your convenience only and that the English language versions of the Terms of Use will govern your relationship with The Bao Lyon Group, LLC. If there is any contradiction between the English language version of the Terms of Use and the translation, the English language version shall take precedence.

Third Party Content: Web Sites and Materials may contain user or third party submitted content; such content is not reviewed, approved or endorsed by The Bao Lyon Group, LLC and is provided solely as a convenience to our customers and users. Under no circumstances will The Bao Lyon Group, LLC be liable in any way for any third party submitted or provided content, including, but not limited to, any errors or omissions, or damages of any kind. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MATERIALS IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. By your use you agree that you must evaluate, and bear all risks associated with, the use of any third party content, including any reliance on the accuracy, completeness, or usefulness of such content. All postings and use of the Web Sites or Material are subject to these Terms of Use and any other program and site specific terms.
Use of The Bao Lyon Group, LLC Products: The Bao Lyon Group, LLC products or services are not intended for use in medical, life saving, life sustaining applications. UNLESS OTHERWISE AGREED IN WRITING BY THE BAO LYON GROUP, LLC, THE BAO LYON GROUP, LLC PRODUCTS AND/OR SERVICES ARE NOT DESIGNED NOR INTENDED FOR ANY APPLICATION IN WHICH THE FAILURE OF THE BAO LYON GROUP, LLC PRODUCTS AND/OR SERVICES COULD CREATE A SITUATION WHERE PERSONAL INJURY OR DEATH MAY OCCUR.

Notice Specific to The Bao Lyon Group, LLC Documents

THE BAO LYON GROUP, LLC MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THE WEB SITE FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE BAO LYON GROUP, LLC HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL THE BAO LYON GROUP, LLC AND/OR ITS RESPECTIVE CONTRACTORS/SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES.
THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THE WEB SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE BAO LYON GROUP, LLC MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S), SERVICE(S), AND/OR THE PROGRAM(S) DESCRIBED AT ANY TIME AND WITHOUT PRIOR PUBLISH NOTICES.

User Content Submissions

Definition: User content submissions may include, but not limited to, user registration, participation, public sharing, posting, uploading, linking, downloading, and transferring, viewing, blogging, commenting, chat room, bulletin board or submitting or transmitting content, including, but not limited to graphics, art, software, code, data, text, video, audio, text, opinions, descriptions etc. (the "User Content") on any The Bao Lyon Group, LLC web site. The content submitted by users is referred to here after as "User Content".

Non-Endorsement: The Bao Lyon Group, LLC does not endorse any User Content or any opinion, recommendation, or advice expressed therein, and The Bao Lyon Group, LLC expressly disclaims any and all liability in connection with User Content submissions. The Bao Lyon Group, LLC does not permit copyright infringing activities and infringement of The Bao Lyon Group, LLC Intellectual property rights on its Web Sites, and The Bao Lyon Group, LLC will remove User Content if properly notified that such submission infringes on another's The Bao Lyon Group, LLC Intellectual property rights. The Bao Lyon Group, LLC reserves the right to remove User Content at its sole discretion and without prior notice.

Ownership: The Bao Lyon Group, LLC does not claim ownership of any User Content submitted, posted, transmitted, made available or displayed on, or through, the Web Sites or Materials, including, but not limited to, data, text, sound, images, videos, diagrams, software, code, audio, information, graphs, or descriptions on the Web Sites or Material. Unless otherwise agreed to in writing, there is no compensation for User Content. The Bao Lyon Group, LLC is under no obligation to post or use any User Content submitted. Unless otherwise agreed in writing with an authorized The Bao Lyon Group, LLC representative, any material, information or other communication you transmit or post to a Web Site will be considered non-confidential and non-proprietary.

License: Unless other specified on the Web Site or activity terms and conditions, by posting, displaying, uploading, inputting, providing or submitting such user content you grant The Bao Lyon Group, LLC, necessary sub-licensees and Web Site users, a perpetual, irrevocable and fully sub-licensable license to use worldwide, royalty-free and non-exclusive license, to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display the User Content (in whole or in part) and to incorporate such User Content into other works in any format or medium now known or later developed for any and all commercial or non-commercial purposes.

Warranties and Representations: By posting or submitting User Content you warrant and represent that you own or otherwise control all of the rights to your submission including, but not limited to, all the rights necessary for you to provide, post, upload, input or submit the User Content. To the extent that the User Content submitted contains images, photographs, pictures or graphical representations in whole or in part ("Images"), you warrant and represent that (a) you are the copyright owner of such Images, or that the copyright owner of such Images has granted you permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of your use and as otherwise permitted by these Terms of Use and the Materials, (b) you have the rights necessary to grant the licenses and sub-licenses described in these Terms of Use, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Use.

Moderation or Pre-Screening: You acknowledge that The Bao Lyon Group, LLC may or may not moderate or pre-screen User Content. The Bao Lyon Group, LLC and its designees retain the right, at The Bao Lyon Group, LLC's sole discretion to pre-screen, refuse, or remove any User Content from its Web Site or Materials. The Bao Lyon Group, LLC, however, will have no liability related to the content of any such User Content, whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise. Without limiting the foregoing, The Bao Lyon Group, LLC shall have the right to remove any User Content that violates these Terms of Use.

Links to Other Materials or Sites

The linked sites are not under the control of The Bao Lyon Group, LLC and The Bao Lyon Group, LLC is not responsible for the content of any linked site or any link contained in a linked site. The Bao Lyon Group, LLC reserves the right to terminate any link or linking program at any time. The Bao Lyon Group, LLC does not endorse companies, services or products to which it links and reserves the right to note as such on its web pages. If you decide to access any of the third party sites linked to this Site, you do this entirely at your own risk.

Unsolicited Idea Submission Policy

THE BAO LYON GROUP, LLC OR ITS EMPLOYEES DO NOT ACCEPT OR CONSIDER UNSOLICITED IDEAS, INCLUDING IDEAS FOR NEW ADVERTISING CAMPAIGNS, NEW PROMOTIONS, NEW PRODUCTS OR SERVICES, PROCESSES, MATERIALS, MARKETING PLANS OR NEW PRODUCT NAMES. PLEASE DO NOT SEND ANY ORIGINAL CREATIVE ARTWORK, SAMPLES, DEMOS, OR OTHER WORKS. THE SOLE PURPOSE OF THIS POLICY IS TO AVOID POTENTIAL MISUNDERSTANDINGS OR DISPUTES WHEN THE BAO LYON GROUP, LLC'S PRODUCTS OR MARKETING STRATEGIES MIGHT SEEM SIMILAR TO IDEAS SUBMITTED TO THE BAO LYON GROUP, LLC. SO, PLEASE DO NOT SEND YOUR UNSOLICITED IDEAS TO THE BAO LYON GROUP, LLC OR ANYONE AT THE BAO LYON GROUP, LLC. IF, DESPITE OUR REQUEST THAT YOU NOT SEND US YOUR IDEAS AND MATERIALS, YOU STILL SEND THEM, PLEASE UNDERSTAND THAT THE BAO LYON GROUP, LLC MAKES NO ASSURANCES THAT YOUR IDEAS AND MATERIALS WILL BE TREATED AS CONFIDENTIAL OR PROPRIETARY.

General

User access to this Web Site is governed by all applicable federal, state and local laws. The Bao Lyon Group, LLC makes no representation that Materials in the site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

These Terms constitute the entire agreement between you and The Bao Lyon Group, LLC and govern your use of the Site. Each user may be subject to additional terms and conditions that may apply when that user uses affiliate services, third party content or third party software. The Terms and the relationship between you and The Bao Lyon Group, LLC shall be governed by the laws of the State of Arizona, USA without regard to its conflict of law provisions and each party shall submit to the personal and exclusive jurisdiction of the courts located within the State. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.
In the case of any violation of these rules and regulations, The Bao Lyon Group, LLC reserves the right to seek all remedies available by law and in equity for such violations.
The Bao Lyon Group, LLC may revise these Terms of Use at any time by updating this posting. You should visit this page from time to time to review the then-current Terms of Use because they are binding on you. Certain provisions of these Terms of Use may be superseded by expressly designated legal notices or terms located on particular Web Sites or Materials.
Copyright@The Bao Lyon Group, LLC. All rights reserved. The Bao Lyon Group, LLC, 12090 N Thornydale Rd., Suite 110 # 209, Marana, AZ 85658, USA.
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The Bao Lyon Group, LLC does not use cookies on its site. We do not collect, through the use of cookies, pixel tags, and similar technologies, information about how you interact with our website, our Products or Services. We do not track your moves through our website or your browsing habits. We will not collect any information from you unless you choose to contact us via email. Your email address and any other information you send us may be used to reply to you, to answer your queries, questions or to provide services you have requested from us. By proceeding browsing our site or by selecting continue, you consent that you have reviewed our Privacy Policies and you are in agreement with the Terms & Conditions of our website.