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Terms and Conditions

The use of www.first-federal.com by the user means that the user fully accepts and undertakes to comply with all the following conditions of these Terms and Conditions. The administration of the site reserves the right to make changes to these Terms and Conditions that come into force from the moment of publication. This is the current version of these Terms and Conditions. Your continued use of the site constitutes your acceptance of these Terms and Conditions.

Credit Decisions

www.first-federal.com is a free referral service that was designed to connect users to large and reliable US lenders. www.first-federal.com is not a financial institution, bank, broker or lender and therefore does not issue loans or makes credit decisions. The site does not accept or process users’ personal data. This site is an intermediate link between a client who wants to take out a loan and a credit institution issuing loans. The materials posted on the site are intended for informational purposes only. Using this website, you can quickly solve your financial issues.

Electronic Disclosure

By submitting your application form, you agree to receive notifications both from www.first-federal.com and our lender partners. If you are matched with a lender, you may be required to sign a contract electronically. All documents are valid when signed electronically. And your electronic signature will be as valid and legit as a physical signature on a paper loan contract.

You may also be required to give your consent to receiving all notifications regarding your loan electronically. Attempts to collect a debt may also be made electronically.

The lender may allow you to withdraw your consent to electronic disclosures. Please get in touch with your lender to learn more about it. Please keep in mind that not consenting to receive electronic disclosures may reduce your chances to get a loan.

Intellectual Property

All results of intellectual activity used and posted on this site, as well as the site itself, are the intellectual property of their legal owners and are protected by Intellectual Property Law.

No content can be copied (reproduced), modified, distributed, displayed in a frame, published, downloaded, transferred, sold or otherwise used in whole or in part, without the prior permission of the copyright holder, unless the copyright holder has explicitly expressed his or her consent to free use of the material by any person, except for the cases established by these Terms and Conditions, as well as by the current legislation of the United States.

All materials published on this site can be reproduced in any media, on Internet servers or on any other media without any restrictions on the volume and timing of publication. This permission applies equally to newspapers, magazines, radio stations, TV channels, websites and Internet pages. The only condition for reprinting and rebroadcasting is a direct link to the source www.first-federal.com.

When reproducing materials, it is not allowed to process their original text. Reduction or rearrangement of parts of the material is allowed, but only to the extent that this does not lead to a distortion of its meaning.

Accuracy

You guarantee that the personal information (including name, birth date, social security number, phone number and email), provided by you during the application process is current and accurate.

If the information in your application form is not accurate and truthful, we may deny, suspend, or terminate your use of the service.

Eligibility

The services are not available to individuals under the age of 18 (but note that the minimum age requirement varies by state) or to individuals who are not citizens/legal residents of the United States. By using this site, you warrant that you are of legal age in your state or and are a citizen/legal resident of the United States. Please stay informed that residents of some states are not eligible to use this website. The list of states serviced by this website may change from time to time, without notice. Your eligibility for services is subject to final determination by our lending partners.

Disclaimer

ACCESS TO THE SITE, AS WELL AS THE USE OF ITS CONTENT, IS CARRIED OUT SOLELY AT YOUR DISCRETION AND AT YOUR RISK. ALTHOUGH WE TAKE REASONABLE MEASURES TO ENSURE THE ACCURACY AND RELEVANCE OF THE CONTENT, WE DO NOT ASSUME RESPONSIBILITY FOR THE ACTIONS OF PERSONS OR ORGANIZATIONS, DIRECTLY OR OTHERWISE BASED ON THE INFORMATION AVAILABLE ON THE SITE OR RECEIVED THROUGH IT, EITHER PROVIDED BY US OR BY THIRD PARTIES. THE SITE AND THE CONTENT ARE PROVIDED ON AN “AS IS” BASIS, AND WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES IN RELATION TO THE SITE AND THE CONTENT, INCLUDING, WITHOUT LIMITATION, RELEVANCE, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY OR COMPLIANCE FOR ANY OR THE SPECIFIC PURPOSE OF THE SITE AND THE CONTENT, IN RELATION TO THE FACT THAT WHEN USING THE SITE THERE WILL BE NO ERRORS, IT WILL BE SAFE AND UNINTERRUPTED, THAT WE WILL CORRECT ANY ERRORS, OR THAT THE SITE WILL NOT HAVE VIRUSES OR OTHER HARMFUL CODES, AND THAT THE CONTENT AND THE SITE DOES NOT VIOLATE THE RIGHTS OF THIRD PARTIES. TO THE EXTENT POSSIBLE IN ACCORDANCE WITH APPLICABLE LAW, WE DISCLAIM ANY REPRESENTATIONS AND WARRANTIES, THE PROVISION OF WHICH MAY OTHERWISE BE IMPLIED, AND DISCLAIM LIABILITY IN RELATION TO THE SITE, CONTENT AND THEIR USE. WE RESERVE THE RIGHT AT ANY TIME AND WITHOUT WARNING TO MODIFY AND / OR SUSPEND THE WORK, OR COMPLETELY CLOSE THE ENTIRE SITE OR ANY PART OF IT, AND DO NOT BEAR ANY OBLIGATION TO UPDATE THE SITE. INFORMATION ABOUT THE SERVICES, AS WELL AS ANY OTHER INFORMATION PUBLISHED ON THE SITE, IS GIVEN TO THE BEST OF THE KNOWLEDGE AND BELIEFS OF OUR COMPANY. AT THE SAME TIME, SUCH INFORMATION, AS FAR AS POSSIBLE IN ACCORDANCE WITH THE CURRENT LEGISLATION, DOES NOT CREATE ANY GUARANTEES OR ASSURANCES OF ANY KIND AND ANY LIABILITY OF OUR COMPANY AND DOES NOT EXEMPT THE USER FROM CARRYING OUT HIS OR HER OWN CHECKS AND TESTS.

Limitation of Liability

The company (including its president, employees, agents and other representatives) is not liable to you for damages and direct, incidental, consequential or similar losses (including loss of profits) arising from access, use or inability to use site, content or any linked Internet site, or failure, error, omission, interruption, defect, downtime or delay in transmission, computer virus or system failure.

Links to Third Parties

This Privacy Policy applies only to information collected by this site. This site may contain links to other sites that are not owned or controlled by www.first-federal.com. We are not responsible for the privacy policies used by such sites. When you leave our site, you should read the privacy statement of each site that collects personal information.

Restriction of Site Use

When using this site, you must comply with the current legislation of the United States; you must not distribute, modify, copy, transfer, display, reuse, reproduce, publish, license, create derivative materials, transfer, sell or otherwise use the content of the Site without the written permission of our company.

It is not allowed to use the site to post or transmit any materials that violate intellectual property rights, containing threats, false information, misleading, containing insults, harassment, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, blasphemous materials or any materials that may represent or stimulate behavior that is unlawful and violates the current legislation of the United States – the company will provide full assistance to law enforcement agencies or carry out any judicial and administrative acts instructing the company to inform the authorized state bodies of the personal data of the user who posted or transferred any similar information or materials.

It is forbidden to impersonate any other person on the site, including a moderator of the site or a representative of the company or its affiliated persons, as well as make false statements or present distorted information about their relations with persons associated with the site, or assert or hint that the company supports any of your statements.

It is not allowed to use the site by users for advertising purposes or to carry out any commercial intermediation, as well as other commercial exploitation of any part of the site, its use or the right to access it.

It is not allowed to use the site to host or transmit viruses, worms, Trojans, spyware and other computer codes, files or programs that may cause harm, are intrusive or created for the purpose of damaging or capturing work results or to control the use of any software or hardware.

It is forbidden to use the site for the purpose of violating the rights of others, as well as processing personal data of other users of the site.

It is forbidden to restrict or interfere with the use of the site by others, disrupt the operation of the site or servers and networks that ensure the operation of the site, as well as violate the requirements, procedures, rules and regulations of these networks.

It is prohibited to modify, adapt, translate, decompile, disassemble or re-engineer any part of the site.

Dispute Resolution

These Terms and Conditions, as well as the Privacy Policy, are governed by the laws of the United States. In the event of a dispute, the company and the user must take all measures to resolve any disputes and contradictions that may arise between them in a friendly way through negotiations. In the event that the Parties are unable to amicably resolve the dispute or contradictions between them, such disputes and contradictions must be referred for resolution in court in accordance with applicable law.

SMS-Informing

By providing a mobile phone number you give your consent to communications via SMS from www.first-federal.com and our lender partners. These communications may include a follow-up SMS message containing a link to your completed loan application form, payment reminders from the lender, and future promotions and offers.

By connecting to the SMS-informing service, you will receive all significant notifications about the status of the loan to your mobile phone in the form of SMS. It is convenient – you do not need the Internet, you do not need to call the hotline.

We are not responsible for fees that your wireless carrier or other third parties may charge you for using this service.

SMS messages may be delayed or undelivered for various reasons. We are not liable for delayed or undelivered SMS messages.

Termination of Use

You agree that we may at our sole discretion, at any time and for any reason deny you access to the site, including if we consider that you have violated or did not comply with these Terms and Conditions. In this case, you will immediately lose the right to use the site. You agree that access or use of the site may be terminated without prior notice and that we may immediately block or delete your account and password, all associated data and files and/or subsequent access to these data and files.

Changes to the Terms and Conditions

The site administration reserves the right to change, add or delete clauses of these Terms and Conditions at any time without notifying the user. Continued use of the site by the user means acceptance of these Terms and Conditions and the changes made to them. The user is personally responsible for checking these Terms and Conditions for changes in it.

Have Any Questions?

If you have any questions or suggestions about this Privacy Policy, please contact us using the Contact Us page.