NOTICE: Last Updated September 27, 2022

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.

FirstFinancialOnlineApp.net is serious about protecting your online privacy and the information that you submit at the FirstFinancialOnlineApp.net website (the “Website”). This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.

“You” or “Your” means you as a participant in or as a user of the FirstFinancialOnlineApp.net program. “We” or “Our” or “Us” means FirstFinancialOnlineApp.net. “Our Website” means FirstFinancialOnlineApp.net.

The Information We Collect

This notice applies to all information collected or submitted on the FirstFinancialOnlineApp.net 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

By agreeing to this Privacy Policy or by using this website, you authorize us and third parties to whom you submit your information, to use the information you submit to obtain other information about you from third-parties, such as your Social Security Number, where such information was incompletely or improperly filled out on our registration form. Such third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws. Any and all information that you submit and that is collected from such third-parties may be used to determine your eligibility for any product, service or offer. If you choose to provide information, such as your Social Security Number, that information may be used to determine your financial status. If you do not provide such information, other information that you provide may be used for the purpose of verifying your eligibility for a loan or for any other programs, offer or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender pursuant to the terms of that lender’s Privacy Policy.

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.

Cookies

FirstFinancialOnlineApp.net may employ the use of cookies, web beacons or similar technologies to enhance and personalize your online experience and to enable FirstFinancialOnlineApp.net to recognize you as a previous visitor to the FirstFinancialOnlineApp.net web services. A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website’s computer and stored on your computer’s hard drive. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Many sites do this whenever a user visits their website in order to track online traffic flows. Cookies record information about your online preferences. Users have the opportunity to set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences. You can adjust the settings on your browser to erase or block such technologies from your computer if you want to, but if you do so, you will not be able to use or access the FirstFinancialOnlineApp.net web services.

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 for the specific purposes of receiving offers that you have applied for on our websites. 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, telephone, or SMS Messages Service 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 customerservice@firstfinancialonlineapp.net.

Access to Personally Identifiable Information

We will retain your information for as long as needed to provide you services. If you would like to review, update or remove your personally identifiable information, you may submit your request by contacting us at customerservice@firstfinancialonlineapp.net, sending your request via postal mail to 3540 West Sahara Ave #E6-80, Las Vegas, NV 89102. In order for us to process your request, we will need to be able to verify your identity to the extent necessary to ensure that you are the person you represent yourself to be. As appropriate under the circumstances of the request, you may be required to comply with one of the following identification verification methods:

1. Certification of Identity: Provision of a completed Certification of Identity. A template certification of identity is available here.
2. Official Photo Identification: Provision of an official photo identification, which includes, but is not limited to, the following:
   • A valid driver’s license.
   • An unexpired passport.
   • An unexpired federal government-issued employee identification card.

You will be provided a reasonable amount of time to provide sufficient identity verification. Any request may be denied for lack of sufficient identity verification.

Third Party Sites

Please be advised that in certain circumstances you will be redirected to the applicable third party lender’s or seller’s website after you have submitted your information. By submitting your personal information to the respective third party lender or seller in connection with providing your information for purchase from the third party lenders or seller, such submission will subject you to the third party lender’s or seller’s privacy policy and terms and conditions, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the website. The entities that advertise and/or place banner ads at the website, including but not limited to these third party lenders and sellers, are independent third parties and are not affiliated with us. In addition, our website contains links to other third party websites and note that their privacy policy will govern the collection and use practices while on their website.

Credit disclosure

You expressly acknowledge and agree that lending partners who review the information you submit may obtain credit checks, consumer credit reports and other personal data from Experian, Equifax, Trans Union or through alternative providers. Such information may be used by a lending partner, as permitted by law, in order to (i) authenticate and verify your identity based on the information you provide; (ii) assess your eligibility for credit and identify products and/or services which may be available to you; (iii) determine your debt to income ratio; (iv) obtain a credit score.

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.

Changes to this Privacy Policy

We reserve the right to change these privacy policies at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. We may use information provided by you for the purpose of any such notification, including, without limitation, email address, telephone number, or other contact information. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the FirstFinancialOnlineApp.net service, Website or acceptance of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third party companies. If the manner in which we use previously collected personally identifiable information changes, we will notify you by (a) sending the modified policy to our end-users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law. You will have a choice weather or not we use your information in this different manner, and we will only use your information in this different manner where you opt-in to such use. We encourage you to periodically review this page for the latest information on our privacy practices.

How to Contact Us

Should you have other questions or concerns about this privacy policy, please send us an email at customerservice@firstfinancialonlineapp.net or contact us via mail at 3540 West Sahara Ave #E6-80, Las Vegas, NV 89102 or call us at 702-866-9074.