Terms & Conditions

Welcome to www.1stheritagecredit.com (the “Website”). The Website is owned and provided by First Heritage Credit, LLC (including its affiliates, successors and assigns)(hereinafter collectively referred to as “First Heritage Credit” or “we”). Unless otherwise specified, the material in the Website is provided solely for promoting products and services available in the United States. First Heritage Credit provides the Website to supply information about our products and services, as well as for residents of Mississippi, Louisiana, and Tennessee to apply for credit. Before using the Website, please carefully read the following Terms and Conditions of Use, as well as our Privacy Notice entitled “WHAT DOES FIRST HERITAGE CREDIT DO WITH YOUR PERSONAL INFORMATION?”

By accessing, browsing, or otherwise using the Website, you acknowledge: (1) you have read these Terms and Conditions of Use and First Heritage Credit’s Privacy Notice; and (2) you accept and will be bound by these terms and policies, as they may be modified by First Heritage Credit from time to time. If you do not intend to be legally bound by these terms and policies, please do not use the Website and/or any services offered by the Website. If you visit the Website, you accept these terms and policies. Please read them carefully.

Limited Use and General Restrictions

First Heritage Credit provides the Website only for lawful, non-commercial uses by our customers, employees, and members of the general public. As a condition to the use of the Website, you agree not to use the Website for any purpose or transaction that is unlawful or prohibited by these Terms and Conditions of Use. The materials in the Website are provided solely for the purpose of promoting products and services available in Mississippi, Louisiana and Tennessee. First Heritage Credit makes no representations that our products and services are available for use in any other states and/or locations. Nothing in the Website is to be construed as First Heritage Credit making any offer to enter into any transaction or relationship with you. You should either contact the branch nearest you or call 1-601-898-8611 for complete details of current service and product information, charges, interest rates, and/or terms and conditions. First Heritage Credit recommends you seek independent advice before acting upon any information contained within the Website, which is not designed to provide personal financial advice. You do not acquire any ownership rights to any materials contained within the Website. First Heritage Credit reserves the right to revoke any of the rights found within these Terms and Conditions of Use, as well as access to the Website, in whole or in part, at any time without prior notice, including, but not limited to, blocking your Internet protocol (“IP”) address.

Copyright and Other Intellectual Property

The information contained within the Website, including, but not limited to names, design, scripts, page headers, trade dress, organization, button icons, logos, service marks, trademarks, pictures, images, digital downloads, and documents, is the property of First Heritage Credit or its content suppliers, and is protected by United States and international copyright laws. The compilation of all content on the Website is the property of First Heritage Credit or its software suppliers and is protected by United States and international copyright laws. The registered and unregistered trademarks, service marks, trade names, graphics, logos, page headers, button icons, scripts, trade dress, or other indicia of trade origin of First Heritage Credit may not be used: in connection with any business, product, or service whose source is not First Heritage Credit; in any manner that is likely to cause confusion among customers, the trade, or the public; or in any manner that disparages or discredits First Heritage Credit. You may print out unaltered copies of the documents and information provided on the Website for your own personal, non-commercial use. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the copyrighted works displayed or contained in the Website without the express, written consent of First Heritage Credit.

Information on Website; Information Accuracy; No Warranties

First Heritage Credit attempts to be as accurate as possible. However, we cannot warrant that the information in the Website is 100% accurate, complete, reliable, current, or error-free. We are providing the information on the Website “AS IS” without warranty of any kind, express or implied. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the information on the Website. By accessing, browsing, or otherwise using the Website, you do so at your sole risk. To the fullest extent permissible by applicable law, First Heritage Credit disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Website, its servers, or email sent from First Heritage Credit are free of viruses or other harmful components. By accessing, browsing or otherwise using the Website, you agree to indemnify, defend, and hold First Heritage Credit harmless from any and all liability, claims, damages, and expense, including reasonable attorneys’ fees as allowed by law, related to your violation of these Terms and Conditions of Use and/or improper use of the services and information provided herein.

Confidentiality of Information; Privacy; Limitation of Liability and Disclaimer

First Heritage Credit has a Privacy Notice entitled “WHAT DOES FIRST HERITAGE CREDIT DO WITH YOU PERSONAL INFORMATION?” A complete copy of the Privacy Notice, which is provided pursuant to the Gramm-Leach-Bliley Act, can be found here. The 2-page document should be read thoroughly and, if printed for your personal, non-commercial use, printed on legal-sized paper to ensure your copy has the proper font and spacing. Protecting the privacy of our visitors and customers is important to First Heritage Credit. In general, you may visit many pages of the Website without telling who you are or revealing any personal information about yourself. First Heritage Credit may track the Internet domain address from which people visit the Website and analyze this data for trends and statistics, but individual users will remain anonymous unless they voluntarily tell who they are. If you choose to submit an application for credit, you will be asked to provide First Heritage Credit with personal information, including your name, current and prior address information, postal address, telephone number(s), social security number, email address, current and prior employment information, debt and asset information, as well as other information relating to your payment and credit history. Your personal information enables First Heritage Credit to provide you with the information you have requested, as well as to provide you with information regarding future products and services that may suit your particular needs and/or interests. First Heritage Credit has taken reasonable steps to protect the personal information you provide through the Website, which is transmitted through the Internet. However, use of the Internet brings with it certain risks, which should be acknowledged. First Heritage Credit uses standard security technology and industry practices to safeguard your personal information from unauthorized and/or improper access. First Heritage Credit shall not be held liable in any way for any direct, special, punitive, consequential, or indirect damages or whatever kind arising out of and/or in connection with the Website and/or the use of the Website and/or the use of a linked website, including, but not limited to: the transmission of any viruses, Trojan horses or other harmful code that may affect your equipment; unauthorized access; theft; operator errors; or any force Majeure. When you visit the Website or send emails to First Heritage Credit, you are communicating with us electronically and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically via email or by posting notices on the Website satisfy any legal requirement that such communications be in writing.

Third-Party Hosting and Site Technologies

First Heritage Credit contracts with a third party to maintain and host the Website. Therefore, any information you submit, including personal information, will be placed and stored on a computer server maintained by the third-party host. The third party has agreed to implement technology and security features and strict policy guidelines to safeguard the privacy of your personal information from unauthorized access or improper use. First Heritage Credit does not provide the technologies used to build the Website, and therefore, neither recommends nor endorses the same. Any information regarding identifiable technologies, including their capabilities, limitations, and applications, should be sought directly from their manufacturers. First Heritage Credit hereby disclaims any rights to trademarks, service marks, trade names, logos, copyrights, patents, domain names, or other intellectual property interests of third parties.

Links

If First Heritage Credit has provided any links to any third-party sites for your use and/or assistance, this does not imply First Heritage Credit’s agreement to and/or endorsement of any of the information contained within and/or on the third-party sites. Sites linked to and from the Website are not necessarily under the control of First Heritage Credit, and First Heritage Credit shall have no responsibility or liability for any loss or damage whatsoever for the use of a third-party link, the content or privacy practices of any linked sites, or any link or linking program at any time.

Children

Children under the age of 18 are not eligible to use the Website unsupervised, and we ask that children do not submit any personal information to First Heritage Credit. If you are under the age of 18, you may only use the Website in conjunction with, and under the supervision of, your parents or guardians. First Heritage Credit does not knowingly solicit, market to, or collect personal information from children under the age of 18.

Notice of Right to Amend and/or Revise

First Heritage Credit may from time to time amend and/or revise these Terms and Conditions of Use and its Privacy Notice. By using the Website, you agree to be bound by any such amendments and/or revisions. You should, therefore, periodically visit these terms and policies to make sure you have the most current versions of each.


Cookies

The Website uses cookie technology to improve the quality of your experience. A cookie is a small file that contains information sent by a web site that is saved on your hard disk by your computer’s browser. Cookies store information that a web site may need in order to personalize your experience and gather web site statistical data. Some consumers may not know that cookies are being placed on their computers when they visit web sites. If you want to know when this happens, or to prevent it from happening, you can set your browser to advise you when a web site attempts to place a cookie on your computer.

Choice of Law; Waiver and Severability

The use of the Website and these terms and policies are to be governed by and construed under the laws of the State of Mississippi. Litigation arising out of and/or relating to this Website, including issues of privacy, shall be commenced and maintained solely and exclusively in the state and federal courts sitting in Madison County, Mississippi or the Southern District of Mississippi. If any part of these Terms and Conditions of Use are determined to be invalid or unenforceable, the remainder will stay in effect. First Heritage Credit will not be deemed to have waived any rights or remedies unless such waiver is in writing and signed by First Heritage Credit. No delay or omission on First Heritage Credit’s part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on one (1) occasion shall not be interpreted as a bar or waiver of any rights or remedies on any future occasion(s).

Contact Information

Further information about the Website and First Heritage Credit’s products and services can be found by visiting the Branch nearest you or writing us at First Heritage Credit, 605 Crescent Blvd., Suite 101, Ridgeland, Mississippi 39157 or calling us at (601) 898-8611.