Our Commitment to Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
“You” or “Your” means you as a participant in or as a user of the FirstFinancial.Online program. “We” or “Our” or “Us” means FirstFinancial.Online. “Our Website” means FirstFinancial.Online.
The Information We Collect
This notice applies to all information collected or submitted on the FirstFinancial.Online website. We collect information you provide on our websites or through other channels such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, financial account information, income information, employment information and other personal, financial, or demographic information.
The Way We Use Information
If you choose to provide personal information, it will be used for and/or shared with trusted third parties such as Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; wireless services providers and telemarketers. Information collected by us may be added to our databases and used for future instant messaging, telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online. By using this website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users’ personal information as needed to perform their functions for our sites, but may not be used for their own marketing purposes. In addition, we may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process.
You agree that by submitting your information at the website, and in accordance with the prior express written consent you provided, you agree to receive mobile marketing including, but not limited to, text-message based marketing (“SMS Messages”), from us and our third party advertisers and marketers. You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting “STOP” or “OPT-OUT” as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the “Rule”). Notwithstanding that your telephone number may be listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future e-mails, telemarketing or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. See “Your Opt-Out Rights” below.
Our Commitment to Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
Our Commitment to Children’s Privacy
Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information at our website from those whom we know are under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any marketing or promotional purposes whatsoever, either inside or outside of our website. If we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us or associated third parties, sponsors, and/or advertisers are not intended to be viewed by persons under 18 years old.
Your Opt-Out Rights
You may opt-out of receiving communications from us and or our third-party associates by not submitting your information. During registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information with third parties to receive marketing communications. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information and to opt-out of receiving additional offers from them or any other third party with whom we have shared your information (see “The Way We Use Information” above). As noted, we use personal information to provide promotional offers through direct marketing, including without limitation, e-mail, telemarketing or SMS Services to our Website users. We may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional email communications regarding the Website, please send your request in writing via email to email@example.com.
In addition, please note that if you subsequently sign up at one of our other websites for other product or service offerings, you will need to again address any information sharing preferences that you had previously established through this Website.
Text Message Policy
By providing your cell phone number, you have provided Finance Matrix, LLC and Marketing Labs, LLC with consent to send you recurring text messages in conjunction with the services you have requested.
- You may opt-out at any time by texting the word STOP to 26435. An opt-out confirmation message will be sent back to you.
- For help, text the word HELP to 26435.
- Message frequency varies. Message and data rates may apply.
- To request support, Text HELP to 26435 or email us at firstname.lastname@example.org.
MMS - If your phone doesn't support MMS, You'll receive SMS instead.
This program is supported by all U.S. carriers. Finance Matrix, LLC and Marketing Labs, LLC, carriers (including but not limited to T-Mobile) and any service provider used by Finance Matrix, LLC and Marketing Labs, LLC to send messages are not liable for delayed or undeliverable messages.
Third Party Sites
Consent to Electronic Disclosure
This Electronic Disclosure and Consent Agreement applies to the information you are providing on this Site and any other communications we or any third parties discussed herein may provide to you. By submitting your information you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. In addition, you cannot withdraw your consent after the submission of your information. You are also required to provide us with an accurate and complete e-mail address and other required information requested on this Site.
To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third parties will retain or have any obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any third parties approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.
All notifications, disclosures and/or documents that we or any third parties provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site; or (iv) by posting on a website designated for that purpose.
You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party website when available. All notifications, disclosures and/or documents provided in electronic or paper format from us or any third parties to you will be considered “in writing,” and you should print a copy for your personal records.
You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third parties’ ability to conduct business with you by electronic means.
We and any third parties, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law. By completing and submitting your information, you (i) confirm your consent to receive notifications, disclosures and/or documents in electronic format; (ii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iii) confirm that you have provided a current e-mail address at which electronic notifications can be sent, disclosures and/or documents to you; iv) acknowledge that you have accessed the Consent; and (v) agree to the terms of this Consent.
To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider and e-mail software.
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