Terms of use

By using the website and mobile applications (website and mobile applications) provided and  maintained by Firstcard Inc, d/b/a Firstcard Inc, you agree to these terms and conditions. Please do not use the website and mobile applications if you do not agree with these terms and conditions. We may change these terms and  conditions and the changes will be posted on this website.

You may not post objectionable or offensive content to the website or mobile applications,  misuse of any information posted to a site, misuse passwords, or use legally protected systems and third-party content  without proper authorization.

Firstcard Inc may disclose and transfer any information that you provide through this website or mobile  applications to: (i) our banking partner, Regent Bank, Member FDIC, and any of our authorized agents or  service providers; (ii) any person or entity in accordance with our Privacy Policy; or (iii) if we have a duty or are  permitted or compelled by law to disclose such information. You consent the transmission, transfer or processing of  the information you provide on the website and mobile applications. We may monitor, track and record your  interactions, patterns, access devices, Internet Protocol addresses, or characteristics when you use this website and  the mobile applications and, by your use of this website and the mobile applications, you expressly consent to such  monitoring, tracking and recording.

Firstcard Inc  provides links to non-Firstcard Inc  website for information on topics that may be useful to you.  Firstcard Inc  does not control the content of non-Firstcard Inc  websites. If you click on a link or otherwise link to a website not  controlled by Firstcard Inc , Firstcard Inc  makes no warranties, either express or implied, concerning the content of the site, including  the accuracy, completeness, reliability or suitability for any particular purpose. Furthermore, Firstcard Inc  does not warrant  that the non-Firstcard Inc  site is free from viruses or other contamination. You should not infer that links to non-Firstcard Inc  imply  any endorsement of or responsibility for the opinions, ideas, products, representations, information or services  provided at these sites.

Firstcard Inc  uses cookies to ensure that we give you the best experience on our website or mobile  applications. If you continue to use our website and mobile applications without changing the settings on your web  browser, we will assume that you have authorized us to receive cookies on the Firstcard Inc  website and mobile applications.  You may, however, change your cookies settings at any time, but you may not be able to access the website or mobile  applications, or the performance of the website or mobile application may not be optimal.

If you use Firstcard Inc ’s website, mobile applications, or systems to access data related  to any account(s) of which you are not the owner or authorized user as reflected in Firstcard Inc ’s records and systems, you  will indemnify, defend, and hold harmless Firstcard Inc , and all of its officers, directors, employees, agents, successors, and  assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such unauthorized access, including the cost and expenses of investigation and  analysis, correction or restoration of any destroyed, lost or altered data, losses associated with a data breach of the  system(s) of any person or entity with whom you provided or shared Firstcard Inc  customer account data, notification to  affected customers, offering and providing of credit monitoring, customers service, or other remediation services,  and any related costs. Any exercise of Firstcard Inc ’s rights to indemnification shall be without prejudice to other rights and  remedies in law or equity. You agree to this indemnity by accessing account data through Firstcard Inc ’s website or systems,  notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise.

The information on the website and mobile applications are  for information purposes only and Firstcard Inc  does not warrant its completeness, timeliness or accuracy. Firstcard Inc  may, without  advance notice, change the terms and conditions of access to and use of information and materials on the website  and the mobile applications. Firstcard Inc  will let you know of the changes by substituting a revised Terms of Use on the Firstcard Inc  website and the changes will be effective when posted unless indicated otherwise. The products and services  promoted in this website and the mobile applications, including any associated fees, charges, interest rates, and  balance requirements, may differ depending upon the geographic locations. Not all products and services are offered in all states. Certain portions or pages of the website and mobile applications are subject to additional disclosures and  disclaimers. By using this website and mobile applications, you will not engage in any activity related to the website  and mobile applications that is contrary to applicable law, regulation or the terms of any agreements you may have  with Firstcard Inc . You agree to limit access to your password or other identifying information to authorized individuals. Firstcard Inc  may discontinue or make changes in the information, products or services described herein at any time without prior  notice to you. Any dated information is published as of its date only. Firstcard Inc  may terminate any website or mobile  application offerings or transmissions without prior notice to you.

You agree not to attempt to log on to the website or any mobile application from any country  sanctioned by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury (Treasury). See,  Countries Under OFAC Sanctions from the Treasury website. We may block, restrict, or terminate your access to the  website or the mobile applications if you attempt to log on to the website or mobile application from an OFAC  sanctioned country.

The works of authorship contained in the Firstcard Inc  website and mobile applications, including but  not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Firstcard Inc .  Except as otherwise expressly stated herein, you may not copy, transmit, display, perform, distribute, license, alter,  frame, store for subsequent use, or otherwise use in any manner such works of authorship without Firstcard Inc 's prior written  consent, except to the extent permitted by the copyright act of 1976 (17 U.S.C. § 107), as amended, and then, only  with notices of Firstcard Inc 's proprietary rights provided that you may download information and print out hard copies for  your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as  downloaded.

Firstcard Inc  is the marketing name for the retail financial services activities of Firstcard Inc  in the United  States. Firstcard Inc  and the Firstcard Inc  logos are property of Firstcard Inc . Other featured words or symbols, used to identify the source of  goods and services, may be the trademarks of their respective owners.

The website and mobile applications (including all information and materials  contained on the website and mobile applications) are provided "as is" and "as available". Firstcard Inc  and  third-party data providers are not providing any warranties and representations regarding the  website or mobile applications and disclaim all warranties and representations of any kind with  regard to the website and mobile applications, including any implied warranties of merchantability, non-infringement of third-party rights, freedom from viruses or other harmful code, or fitness for any particular purpose. Further, Firstcard Inc  will not be liable for any delay, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in this website or the mobile applications, or for the incompatibility between this website and the mobile applications and  the user's browser or other site accessing program. Firstcard Inc will not be liable for any other problems  experienced by the user due to causes beyond Firstcard Inc 's control. Firstcard Inc  and third-party data providers do not warrant the accuracy, adequacy, or completeness of the information and materials contained  on the website and mobile applications and expressly disclaim liability for errors or omissions in the materials and information.

Firstcard Inc will not be liable for any lost profits, lost opportunity or any indirect, consequential,  incidental, special, punitive, or exemplary damages arising out of any use of or inability to use this website and the mobile applications or any portion thereof, regardless of whether client has been apprised of the likelihood of such damages occurring and regardless of the form of action,  whether in contract, warranty, tort, (including negligence), strict liability, or otherwise.

If any provision of these terms of use are unenforceable, the remaining terms and  provisions will be unimpaired. These terms of use are subject to other agreements you have entered into with Firstcard Inc .  The user's access to and use of the website and mobile applications, and the terms of this disclaimer, are governed  by the laws of the State of California.