Terms & Conditions

** PLEASE REVIEW OUR TERMS & CONDITIONS AND PRIVACY POLICY **

Electronic Bill Payment Service Agreement

The FirstCredit, Inc. (“FCI”) Website is an on-line bill viewing and payment service (the “Service”) provided by FCI and its Licensors.

Please read this Electronic Bill Payment Service Agreement (“Agreement”) carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service. FCI may modify this Agreement from time to time, and such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement.

Bill Viewing and Payment Services. By accessing the Service, you authorize (1) FCI to establish and maintain your statements and payment authorizations and (2) FCI to process your payments according to your instructions.

When FCI receives a payment authorization, you authorize FCI to charge your transaction account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that FCI will complete most transactions within twenty-four (24) hours of the day designated, it is understood that due to circumstances beyond the control of FCI, particularly delays in handling and posting payments by slow-responding companies or financial institutions, some transactions may take a day or even a few days longer. For this reason, it is recommended that all payment authorizations be received by FCI at least three (3) business days before the actual due date, not the late date. FCI will use reasonable efforts to process all your payment authorizations promptly and properly. However, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

As part of this Agreement, by submitting payment information as a check transaction or ACH transaction you are authorizing FCI to reproduce this item as an ACH Transaction for deposit. A transaction that is returned to FCI for any reason may be subject to a return item fee by your banking institution and FCI's bank. An ACH transaction will be produced utilizing the information from this form you are submitting. You also authorize subsequent attempts to clear this transaction if the original is dishonored or returned for any reason.

Authorization of payment of taxes or court-directed payment through the Service is prohibited.

Password and Security.

The Service will be accessible through a password chosen by you. You agree not to give or make available your password to any unauthorized individuals. If you believe that your password has been lost or stolen or that someone may attempt to use your password without your consent or has authorized payments without your permission, you must notify FCI at once.

You must not restrict or inhibit any other user from using the Service. You may not send any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, threatening, offensive, or otherwise objectionable information of any kind. You may not use the Service to conduct any illegal activity or solicit the performance of any illegal activity, including without limitation the U.S. export control laws and regulations.

Your Liability for Unauthorized Transfers.

In the event your password has been lost or stolen, you shall use your best efforts to notify FCI immediately. Notifying FCI is necessary in order to prevent someone from using your password without your permission.

In the Event Your Bank Returns a Transaction.

In using the Service, you are requesting FCI to make payments for you from your designated transaction account. If your financial institution, or the holder of the account from which you have designated payment, is unable to process a transaction (for example, there are not sufficient funds in your account to cover the transaction), the transaction may not be completed.

Types of Payments and Limitations on Payees.

You may use the Service to authorize payment from an account that you designate. FCI reserves the right to refuse to pay any person or entity to which you may direct a payment. FCI is obligated to notify you promptly if they decide to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court-related payments, which are prohibited under this Agreement.

Charges.

As a customer of the Service, you will not be charged by FCI for receiving a bill electronically or for payment authorizations that you choose to send electronically. There may be a charge for additional transactions and other optional services, but not without your prior written consent.

SINGLE AND RECURRING CHECK TRANSACTIONS

Further, you understand that your authorization for recurring payments on the dates of your choice will each be recurring ACH debits, and that this recurring payment authorization is valid and will remain in effect unless you notify FCI of its cancellation two business days prior to the scheduled payment date by calling 800-871-1840 or by logging into to your account and editing or cancelling the payment(s). You also understand you may call FCI at 800-871-1840 during normal business hours if you have any questions.

Any rights not expressly granted herein are reserved by FirstCredit, Inc. (FCI). By clicking on the "Make Payment" button you are accepting these terms. Please remember to print this form for your records.

Children.

FCI does not knowingly or intentionally collect personal information from children under age 18. The content of our website is directed at adults, and therefore this site is intended for use only by adults over the age of 18. If you are under the age of 18, please consult a parent or guardian for help in using this website.

The contents of the documents are copyrighted under the United States copyright laws. The owner of the copyright is FCI. You may download or print portions of material from the Service solely for your own non-commercial use. You may modify such portions as necessary for your personal use. Any other copying, redistribution, retransmission to any other entity or publication of any viewable material is strictly prohibited without the express written consent of FCI. You also agree not to change or delete any proprietary notices from materials downloaded from the Service.

Assignment. You may not assign this Agreement to any other party. FCI may assign this Agreement to any directly or indirectly affiliated company. FCI may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

General.

This Agreement is governed and shall be construed in accordance with the laws of the State of Ohio, excluding its conflict of law rules. This Agreement constitutes the entire agreement between FCI and you concerning the Service. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.

EXCLUSION OF WARRANTIES. FCI IS PROVIDING THE SERVICE “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. FCI DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY. IN NO EVENT SHALL FCI OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF FCI OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you. You may also have other legal rights that vary from jurisdiction to jurisdiction.

DISCLAIMER OF WARRANTY

MATERIALS, SERVICES AND OTHER INFORMATION ARE PROVIDED "AS IS" BY FCI FOR EDUCATIONAL PURPOSES ONLY. FCI MAKES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR USE, TITLE OR NON INFRINGEMENT.

PLEASE NOTE THAT, BY ITS VERY NATURE, A WEBSITE CANNOT BE ABSOLUTELY PROTECTED AGAINST INTENTIONAL OR MALICIOUS INTRUSION ATTEMPTS. FURTHERMORE, FCI DOES NOT CONTROL THE DEVICES OR COMPUTERS OR THE INTERNET OVER WHICH YOU MAY CHOOSE TO SEND CONFIDENTIAL PERSONAL INFORMATION AND CANNOT, THEREFORE, PREVENT SUCH INTERCEPTIONS OF COMPROMISES TO YOUR INFORMATION WHILE IN TRANSIT TO FCI.

THEREFORE, FCI HEREBY MAKES NO GUARANTEE AS TO SECURITY, INTEGRITY OR CONFIDENTIALITY OF ANY INFORMATION TRANSMITTED TO OR FROM THIS WEBSITE, OR STORED WITHIN THIS WEBSITE.

BEYOND OUR REASONABLE CARE TO SAFEGUARD YOUR INFORMATION WHILE IN TRANSIT, FCI CANNOT AND DOES NOT GUARANTEE THE ABSOLUTE SECURITY OF ELECTRONIC COMMUNICATIONS OR TRANSMISSIONS SINCE ANY TRANSMISSION MADE OVER THE INTERNET BY ANY ORGANIZATION OR ANY INDIVIDUAL RUNS THE RISK OF INTERCEPTION.

IN ADDITION, WE HEREBY MAKE NO GUARANTEE AS TO SECURITY, INTEGRITY OR CONFIDENTIALITY OF ANY INFORMATION TRANSMITTED TO OR FROM THIS WEBSITE, OR STORED WITHIN THIS WEBSITE.

LIMITATION OF LIABILITY

YOU ASSUME THE SOLE RISK OF TRANSMITTING YOUR INFORMATION AS IT RELATES TO THE USE OF THIS WEBSITE, AND FOR ANY DATA CORRUPTIONS, INTENTIONAL INTERCEPTIONS, INTRUSIONS OR UNAUTHORIZED ACCESS TO INFORMATION, OR OF ANY DELAYS, INTERRUPTIONS TO OR FAILURES PREVENTING THE USE THIS WEBSITE.

IN NO EVENT SHALL FCI BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR MONETARY DAMAGES, INCLUDING FEES, AND PENALTIES IN CONNECTION WITH YOUR USE OF MATERIALS POSTED ON THIS SITE OR CONNECTIVITY TO OR FROM THIS SITE TO ANY OTHER SITE.

Other services provided by FCI on this Website may require you to agree to additional terms.

BY USING THIS WEBSITE, YOU ACCEPT THESE TERMS.

** PLEASE REVIEW OUR LEGAL DISCLOSURES AND PRIVACY POLICY **