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Last Revised: June 12, 2019
We take Children’s Privacy very seriously. Our Terms & Conditions only allow this web site to be accessed by persons eighteen (18) years or older. Due to the age restrictions of this web site, none of the information obtained by this web site falls within the Child Online Privacy Act (COPA). However, if your minor child has provided us with personally identifiable information, you may contact us at the phone number or mailing address listed in Section 7 herein if you want this information deleted from our records. We will then make reasonable efforts to remove your child’s information from the database that stores the information.
Information We Collect
- Personally Identifiable Information
In order to serve our customers, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, and sometimes credit card information when such information is voluntarily submitted by our visitors. We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have requested; (2) to validate your compliance with the terms and conditions; (3) for content improvement and feedback purposes; and (4) to reach you, as we see fit, regarding your use of the web site, product(s), service(s) or affiliation.
We may disclose personally identifiable information collected if we have received your permission beforehand (such as to fulfill a third party order) or in very special circumstances, such as when we believe that such disclosure is required by law or for other special cases described below.
We may also periodically conduct surveys of our subscribers and customers from time to time so we can improve on the products and services that we provide.
By permitting us to collect this information, you will be able to receive information on products and services that may be of interest to you, including related third party offers that we may send to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service. We may also use this information to contact you about joint venture opportunities if it appears that you would be a suitable joint venture partner.
By submitting your email address on this web site, you agree to receive email from us. You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for custom audience targeting on sites like Facebook, where we display custom advertising to specific people who have opted-in to receive communications from us.
In addition, you agree that by submitting your telephone contact information on this web site and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the Amended Telemarketing Sales Rule (ATSR), 16 CFR ‘310 et seq. and any applicable state and local “do not call” regulations. We retain the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations. We also retain the right to record our phone conversations with you for quality assurance and or training purposes.
Further you consent to the Company, as well as any other person or company acting on its behalf, contacting you through any channel of communication and for any purpose. For communications related to Company, you agree that the Company, as well as any person or company acting on its behalf, may use the phone numbers that you provide to the Company to contact your cellular phone or wireless device, and any other of your devices, with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system, or to send faxes to you. This consent applies even if you are charged for the call. You are responsible for any charges that may be billed to you by your communications carrier when the Company contacts you. You also agree that the Company may monitor or record any telephone calls between you and the Company or any person or company acting on behalf of the Company.
- Non-Personally Identifiable Information
We also may collect various types of non-personally identifiable information to help us make your experience more enjoyable, measure site activity to identify future improvements that should be made, and compile aggregate data to help serve site visitors better. For example, we may use such data to tailor our advertisements, develop proper survey questions, improve our business, etc.
As another example, we may use session and persistent “cookies,” session logs, web beacons, GIF/pixel tags, banner ads, third-party click tracking analytics tools (such as Google Analytics), third party retargeting networks that may display our advertisements to you on other sites that you visit to remind you about us, and third party networks that serve user-requested emails (e.g., for a refer-a-friend email) to collect non-personally identifiable or other aggregated information about site visitors.
Cookies are text files that are used by your computer’s web browser to store your preferences, and enable us to enhance your user experience with our web site.
Emails or newsletters that we send electronically may use techniques such as web beacons or pixel tags to gather email metrics and information to improve the reader’s experience, such as the number of emails that are opened, whether they were forwarded or printed, the type of device from which they were opened, and the location (e.g. city, state, and county) associated with the applicable IP address.
If you visit this site with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and we may track aggregate data about the number of visits to this site with an open ID, the number of items “liked” on this site, or items on this site that you choose to share with a third-party social media site.
Other parties such as advertising partners and analytics companies may also be collecting information about your online activity across various websites over time. The information collected by those third parties may include identifiers that allow those third parties to tailor the ads that they serve to your computer or other device.
Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” signals other than cookies, we do not currently respond to “Do Not Track” signals that are undefined.
Please note that you do have the option to configure most web browsers to NOT accept cookies. However, be aware that disabling cookies may keep you from having access to some functions or services on our web site or the web-hosted software that runs on our web site.
- Third Party Actions
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies, but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
- IP Addresses
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
- Third Party Web Sites
This web site and/or the products and/or services offered herein may direct you to web sites that are owned and/or controlled by third parties. We have no control over those third parties and are not responsible for the content or the privacy practices of those sites or companies.
- Commitment to Data Security
All information collected from you is stored in a technically and physically secure environment. We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
- Contacting Us
If you need to contact us, you can email us at [email protected], call us at 763-231-8120, or send us a letter at: First Financial USA, Ltd., Attention Site Support, 3500 Vicksburg Lane, 401, Plymouth, MN 55447.
- Note To California Residents
If you live in the State of California, under the California Civil Code, you have the right to request that companies who conduct business in California provide you with a list of all third parties to which the company has disclosed Personal Information during the preceding year for direct marketing purposes.
If you are a California resident and want to request information about how to exercise your third party disclosure choices, you must send a request to the following address with a preference on how our response to your request should be sent (email or postal mail). Please send an email to the Privacy Administrator at [email protected], or you may contact us via regular mail at:
First Financial USA, Ltd., Attention Site Support, 3500 Vicksburg Lane, 401, Plymouth, MN 55447.
All requests sent via regular mail must be labeled “Your California Privacy Rights” on the envelope or post card and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code. Please include your zip code for our own recordkeeping.
We do not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or sent properly, or do not have complete information.