Terms & Conditions

New Era Finance Limited, 87 Constant Spring Road, Kingston 10, Jamaica hereinafter referred to as “OBF Finance Co” “NEF”, “New Era Finance Limited”, “Company”, “we” or “us”, provides the New Era Finance Limited Website located at WWW/OBFFINANCE.COM and the mobile and desktop apps referred to individually collectively as the “Website”, subject to your compliance with all the terms, conditions herein contained the, “website use Policy”. In addition, when subscribing to certain services from this Website, users will be subject to additional rules applicable to such services.


You are responsible for making all arrangements necessary for you to have access to the Website. We reserve the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.

The Website and its entire contents, features and functionality including but not limited to all information; software, text, displays, images, video and audio, and the design, selection and arrangement thereof) are owned by the Company, its licensors or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

This Policy permits you to use the Website for your commercial use only. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted, are reserved by the Company.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, re-publish, download, store or transmit any of the material on the Website, except in the following; to store files that are automatically cached by your Web browser for display enhancement purposes and if we provide desktop, mobile or other applications for download. You may download a single copy to your computer or mobile device solely for your own personal, non-distributable use, provided you agree to be bound by an applicable end user license agreement for such applications and if we provide social media features at any time, you may take such actions as are enabled by such features.

You may not use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text. You must not delete neither alter any copyright, trademark nor any other proprietary rights notices from copies of materials from the Website. You access or use for any commercial purposes any part of the Website or any services or materials available through this Website are strictly prohibited.

The Company’s name, its logo and all related trademarked name/s, product and service names, designs and slogans, are the intellectual property of the Company or its affiliates or licensors. You may not use such without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on the Website are the trademarks of their respective owners.

You may use this Website only for lawful purposes and in accordance with this Policy. By accessing this Website you state that you are of the age of majority and as such you are able to contract as an adult and further state that you are legally capable to enter into contractual agreements. By access to this Website you agree that you will not use the Website in any way that violates any applicable local or international cyber laws or regulation.

You further agree that you will not knowingly send, receive, upload, download, use or re-use any material to which no prior written consent was sought and approval granted by the Company.

By accessing this Website directly or indirectly, you will not impersonate neither attempt to impersonate the Company nor its employee nor its agents nor any other legitimate user nor any other persons who by themselves have right of entity and use of this website.

You will not do anything that could disable, overburden, damage, or impair the Website or interfere with any person’s use of the Website. You will not use any robot, spider or other automatic device, process or means to access the Website for any unlawful purpose or in violation of this Policy. You will not introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful. You will not co-brand or frame the Website or hyper-link to it without the express prior written permission of an authorized representative of the Company.

The Company may from time-to-time provide interactive services such as client access to their accounts, fill out and transmit forms, allows for email, live chats exchange and make payments online for services. All users must comply with the “Policy-of-Use”.

Any user contribution that you post will be considered non-confidential and non-proprietary, to the extent permitted by law. By providing a user contribution content, such as filling out forms, contents of live chats and email contents, you grant the Company, its employee and authorized agents, its successors the right to use it. Further, as such you have by access and use of this Website, authorize and grant of permission to the Company the authority reproduce, modify, perform, display, distribute and otherwise disclose to third parties any such material as it they were completed oa in office hard copy documents and having the full force of legally binding the parties.

By access and use of this Website you state that you own or control all rights in and ownership of property disclosed herein and have the right to grant such license to us. You agree that you will have no claim or other recourse against the Company for infringement of any proprietary right with respect to your user contents. You acknowledge and agree that you waive any legal rights that you may have in any territory in respect of content contribution, including but not limited to, the right to be attributed as the author of the content contribution.

You agree by access and use of this Website, that if you provide any user contents to be transmitted to other users of the Website or any third parties, you accept that your user contents posted and transmitted may be accessible to others and as such at your own risk. Additionally, we cannot control the actions of other users of the Website or any third parties with whom you may choose to share your user content therefore, we the Company cannot and do not guarantee that your user content will not be accessed and viewed by unauthorized persons.

User Contents must be accurate and comply with all applicable laws in the country from which they are posted. You understand and acknowledge that you are responsible for any user contents you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy and appropriateness. The Company is not responsible, or liable to any third-party, for the content accuracy/ inaccuracy of any user Contents posted by you or any other user of the Website.

The standard of use agreed upon by you accessing this Website are listed (while not exhaustive) below. These content standards apply to all user Content and use of the Interactive Services offered. user Content must in their entirety comply with all applicable local and international laws and regulations. Without limiting the foregoing, user Content must not;

  1. Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable
  2. Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
  3. Infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any third-party
  4. Infringe the legal rights (including the right of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws
  5. Promote any illegal activity, or advocate, promote or assist any unlawful act
  6. Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person
  7. Impersonate any person, or misrepresent your identity or affiliation with any person or organization
  8. Involve commercial activities or sales
  9. Be likely to deceive or give the impression that they emanate from or are endorsed by us, or any other person or entity

The Company has and reserves the right, but not the obligation, to review, screen or edit any user Content. That contents accepted do not reflect the views of Company and are not necessarily endorsed by the Company.

The Company reserves and have the right to take any action with respect to user Content that it deem necessary or appropriate, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website including terminating or suspending your access to all or part of the Website.

Without limiting the foregoing, we have the right to fully cooperate with law enforcement authorities requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. We do not undertake to review material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third-party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials from the Website by submitting written notification to our Company. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.



The contents of the material posted by the Company to its Website are for information purpose or invitation to treat and as such are not an offer subject to acceptance towards the formation of a contract. The Website includes content provided by third parties, including materials provided by other users and third-party licensors. We are not responsible, or liable to you or any third-party, for the content or accuracy of materials provided by any third parties.

All information we collect on the Website is deemed strictly private. By using the Website, you consent to all actions taken by us with respect to your information is within compliance with the Privacy Policy.

The Website contains links to other sites and resources and services provided by third parties, these links are provided for your convenience only. The Company have no control over those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party websites linked to the Website, you do so entirely at your own risk and subject to the terms and conditions of use for such third-party websites. This includes the transmission of payment to accounts held with the Company of by whatever process.

The company links its services with and through third party provider for the purposes of information dissemination and accessibility to the conduct of the provision of service to its customers and of visitors/applicant to the Website. Link from this Website connects with certain third-party websites or providers for certain content on the Website including the sending and receive emails, live chat and other communications with certain content or links to specific content on the Website. You may use these features solely as they are available and provided by us, and solely with respect to the content they are displayed for and otherwise in accordance with any additional terms and conditions we provide with respect to such features.

The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in this Policy. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

The Company offers no warranty or assurance resulting to loss or inconvenience, further your use of the website or items obtained through the website is at your own risk. The website is provided on an “as is” and “as available” basis, without any promises of any kind, either express or implied. Neither the Company nor any person associated with the company makes any promise, warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the website. without limiting the foregoing, neither the Company nor anyone associated with the Company promises, represents or warrants that the website or items obtained through the website or any portion thereof will be accurate, reliable, error-free or uninterrupted. However the Company assures that defects will be corrected on a as soon as possible basis after coming into knowledge of any such defect

The Company limits its liability to a maximum of J$100,000 (one hundred thousand dollars- Jamaican currency) for as regard to any loss incurred by the user as a result of any deemed negligence on the part of the Company.

The Company owes to compensatory liability to visitor to the Website who is NOT a clients of the Company and is merely an invitee for the purpose of access to information, in no event shall the Company, its licensors, affiliates, employees, agents, officers or directors be liable to you or any third-party for any special, punitive, incidental, indirect or consequential damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of use, loss of data, or loss of profits, whether or not we have been advised of the possibility of such damages, and on any theory of liability, arising out of or in connection with the use of the website or of any website referenced or linked to from our website. The Company will NOT be responsible for any or all claims and damages resulting from the misuse of the website by you.

The Company reserve the right, in its sole discretion, to change the terms of this Policy at any time. Any changes are effective immediately upon posting to the Website. Your continued use of the Website constitutes your agreement to all such terms and conditions.

You the user acknowledge that a breach of any confidentiality or proprietary rights provision of this Policy may cause the Company irreparable damage, for which the award of damages would not be adequate compensation. Consequently, the Company may institute an action to enjoin you from any and all acts in violation of those provisions, which remedy shall be cumulative and not exclusive, and the Company may seek the entry of an injunction enjoining any breach or threatened breach of those provisions, in addition to any other relief to which the Company may be entitled at law or in equity.

If any provision of this Policy is held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of this Policy will remain in full force and effect. Jurisdiction for any legal action shall be any court of competence in and on the land of Jamaica.

If the Company fails to insist upon strict performance of your obligations under any of these terms and conditions, or if the Company fails to exercise any of the rights or remedies to which it is entitled under this Policy, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations. No waiver by the Company of any default will constitute a waiver of any subsequent default, and no waiver by the Company of any of these terms and conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing.

The provision of this Website constitute only a convenient means to conduct business with you its clients and does not represents itself as the only means or avenue to conduct business with the Company. As we continue to develop our business, we might undergo a change of ownership such as

This Policy, together with the documents expressly referred to herein, constitutes the sole and entire agreement between you and the Company with respect to access with permission to use the Website. Going beyond the Home page constitute an agreement to bind by the contents of this Policy. It is agreed between the parties that a user after looking at the contents of the Home Page have been guided to access and read thoroughly the user policy and as such is bindrd to its provision in its entirety.

The Website is operated by New Era Finance Limited If you have any questions, please contact us via email at obfloans@obfjm.com If you want to send us notices or service of process, please mail us at the applicable address below;

New Era Finance Limited

87 Constant Spring Road

Kingston 10


Telephone numbers 876 931 4202/3