What to Know When Using Our Website.

Your Privacy Matters to Us
Firefighters First Credit Union is committed to maintaining the confidentiality of your financial records in accordance with applicable state and federal laws. The following outlines how we collect, use, and protect your information when you visit our website.

Information We Collect
In the course of doing business, we may collect nonpublic personal information about you from the following sources:

1. Applications, forms, and other information you provide directly to us
2. Verification processes used to confirm information you submit
3. Transaction history with us, our affiliates, or other parties

How We Share Your Information
We may share the information described above with nonaffiliated third parties when necessary to process transactions, maintain account records, or fulfill services you have requested or authorized. We may also share information when required or permitted by law.
 
We may partner with third-party service providers, such as mailing and document delivery vendors, to support our operations. We require all such partners to safeguard member information and comply with applicable privacy laws. We may also enter into joint marketing agreements with select service providers under the same standards.
 
Because we limit the way we share information with nonaffiliated third parties, we are not required by law to offer you an opt-out from such disclosures.
 
If you close or become an inactive member, we will continue to follow the privacy practices described in this notice.

Protecting Your Information
Access to your personal information is restricted to employees who need it to serve you or administer your accounts. We maintain physical, electronic, and procedural safeguards in compliance with federal regulations to protect your nonpublic personal information.
 
We work to ensure your account records remain accurate. If you notice any inaccuracies in your statements, please call us at 800.231.1626, and we will investigate and correct the issue promptly.
 
We reserve the right to update this policy as required by changes in law or our business practices. Active members will be notified of any material updates.

Firefighters First Credit Union Website Terms and Conditions of Use
Your Acceptance
By accessing or using this website, including all content available through www.firefightersfirstcu.org (the “Firefighters First Website” or “Website”), you agree to these Terms and Conditions of Use (“Terms of Use”) and all other applicable terms, conditions, and disclosures published on this Website, including our Privacy Notice at www.firefightersfirstcu.org/privacy. Continued use of this Website constitutes your acceptance of any amended or updated terms we may publish. If you do not agree to these terms, please discontinue use of this Website.

Scope of These Terms
These Terms of Use apply to all users of the Firefighters First Website, including those who contribute content, information, or other materials. This Website may contain links to third-party websites not owned or controlled by Firefighters First Credit Union. We have no responsibility for the content, privacy practices, or policies of any third-party site. By using this Website, you release Firefighters First Credit Union from any liability arising from your use of third-party websites. We encourage you to review the terms and privacy policies of any external site you visit.

Website Access
Firefighters First Credit Union grants you a limited, personal, noncommercial license to use this Website, subject to the following conditions: you will not copy or distribute any portion of the Website without prior written authorization; you will not alter or modify any Website content; you will use the Website only for its intended purposes; and you will comply with all applicable laws, regulations, and account agreements (including our Truth in Savings Disclosure, Electronic Services Disclosure, and other account agreements).
 
To access certain features, you may be required to create an account and password. You are responsible for keeping your credentials secure and must notify us immediately of any unauthorized access or security breach.
 
You agree not to use automated tools such as bots, spiders, or scrapers to access this Website. You also agree not to collect personally identifiable information from the Website or use any communication systems on the Website for commercial solicitation.

Intellectual Property
All content on this Website, excluding User Submissions, including text, software, graphics, photos, videos, and interactive features (“Content”), along with all trademarks, service marks, and logos (“Marks”), are owned by or licensed to Firefighters First Credit Union. All Content is protected under U.S. and international intellectual property laws.
 
You may access and use Content for personal, noncommercial purposes only. You may not reproduce, distribute, sell, or otherwise exploit any Content without prior written consent from the respective rights holders. Any personal copies of Content must retain all original copyright and proprietary notices. You agree not to interfere with or circumvent any security features of this Website.

User Submissions
This Website may allow you to submit content such as ideas, contest entries, chat messages, or other communications (“User Submissions”). By submitting content, you grant Firefighters First Credit Union the right to use, reproduce, and distribute that content for any purpose without compensation. User Submissions are not treated as confidential.
 
You are solely responsible for your User Submissions and warrant that you hold all necessary rights and permissions for any content you submit, including rights related to identifiable individuals depicted in your submission.
 
You agree not to submit content that is unlawful, defamatory, obscene, harassing, or infringes on any third-party rights. You also agree not to post commercial solicitations, impersonate others, or misrepresent your identity or affiliation.
 
Firefighters First Credit Union reserves the right to remove any User Submission and terminate access for users who violate these Terms of Use, without prior notice.

Warranty Disclaimer
YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, FIREFIGHTERS FIRST CREDIT UNION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THIS WEBSITE AND YOUR USE OF IT. WE MAKE NO REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE’S CONTENT OR THAT OF ANY LINKED SITES. WE DO NOT WARRANT ANY PRODUCTS OR SERVICES ADVERTISED BY THIRD PARTIES THROUGH THIS WEBSITE AND ARE NOT RESPONSIBLE FOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS.

Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FIREFIGHTERS FIRST CREDIT UNION SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE, REGARDLESS OF THE LEGAL THEORY UNDER WHICH SUCH DAMAGES ARE CLAIMED.
 
This Website is operated from the United States. We make no representations that it is appropriate or available for use in other jurisdictions. Users who access this Website from outside the U.S. do so at their own risk and are responsible for compliance with local laws.

Indemnity
You agree to defend, indemnify, and hold harmless Firefighters First Credit Union, its officers, directors, employees, agents, licensors, and affiliates from any claims, damages, losses, or expenses (including attorneys’ fees) arising from your use of this Website, any violation of these Terms of Use, any infringement of third-party rights, or any harm caused by your User Submissions.

Eligibility
By using this Website, you confirm that you are at least 18 years of age, or an emancipated minor, or have obtained legal parental or guardian consent, and that you have the legal capacity to agree to and comply with these Terms of Use.

Assignment
These Terms of Use and any rights granted under them may not be transferred or assigned by you. Firefighters First Credit Union may assign these Terms of Use without restriction.

General
This Website is governed by the laws of the State of California, without regard to conflict of law principles. Any legal dispute arising from use of this Website shall be resolved exclusively in a court of competent jurisdiction in Los Angeles County, California. If any provision of these Terms of Use is found to be invalid, the remaining provisions shall remain in full effect. Firefighters First Credit Union reserves the right to amend these Terms of Use at any time. Your continued use of this Website constitutes acceptance of any revised terms. Any legal action related to this Website must be filed within one (1) year of the date the cause of action arose, or it will be permanently barred.