If you do not agree to the terms of this Policy, in whole or part, you should not use this Site.  First Financial .Com TERMS AND CONDITIONS Last Updated: 7/21/2009 By accessing the First Financial .Com web site and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site. The First Financial .Com web site is operated by First Financial Corporation; all references below to First Financial .Com include First Financial Corporation. Loan Matching Service First Financial .Com’s loan matching service matches consumers with prospective lenders participating in First Financial .Com’s direct network of personal and payday loan lenders ("participating lenders"). To use the service, you must complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. First Financial .Com’s use of this information is subject to this site’s (Privacy Policy). In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy policy, which are incorporated herein by reference. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to First Financial .Com’s and each of the participating lenders to whom First Financial .Com’s transmits your loan request. By submitting the application form(s), you are extending an express invitation to First Financial .Com’s to any and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested. Participating lenders who receive your application information from First Financial .Com’s review your information in real-time to determine whether your information meets the lender’s loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner. If a participating lender determines that your application meets its loan qualification criteria, the First Financial .Com’s web site will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender’s web site. You understand and agree that, once you have been redirected to the lender’s web site, First Financial .Com’s has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender. First Financial .Com’s is not always acting as a lender and does not always make loans or credit decisions in connection with its loan matching service. First Financial .Com’s does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. First Financial .Com’s does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market. First Financial .Com does not endorse or recommend the products of any particular lender. First Financial .Com is not an agent of you or any participating lender. First Financial .Com is not involved with the lender’s use and/or review of your application information or in making a determination about whether you meet a particular lender’s loan qualification criteria. The lender is solely responsible for its services to you, and you agree that First Financial .Com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them. Control over Features, Functions, and Access to the Service First Financial .Com reserves the right to change any information, features and/or functions of the loan matching service without prior notice. First Financial .Com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that First Financial .Com determines, in its sole discretion, violate these Terms, the rights of First Financial .Com or any third party, or is otherwise inappropriate. First Financial .Com is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control. Disclaimers and Limitations THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." First Financial .Com EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. First Financial .Com  MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR First Financial .Com’s SERVICES IS AT YOUR OWN RISK. First Financial .Com AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR First Financial .Com’s SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF First Financial .Com OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF First Financial .Com, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. Indemnity As a condition of using this web site and/or the services offered herein, you agree to indemnify First Financial .Com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. Links to Third Parties This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. First Financial .Com does not operate or control in any respect any information, software, products or services available on such third party sites. First Financial .Com’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization. Dispute Resolution Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by First Financial .Com, or to any acts or omission for which you may contend First Financial .Com is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in San Diego County, California and judgment on the arbitration award may be entered into any court of competent jurisdiction in San Diego County, California. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND First Financial .Com WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using First Financial .Com’s service, you consent to these restrictions. In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and First Financial .Com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in San Diego County, California. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred. Other Terms These Terms constitute the entire agreement between you and First Financial .Com. These Terms shall be governed by the laws of the State of California without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by First Financial .Com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. First Financial .Com may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting. Questions You may direct any questions concerning these Terms to: First Financial Compliance Department. 7920 Miramar Road #125 San Diego, CA 92126