Terms of Use:
IMPORTANT NOTICE
PLEASE READ THESE TERMS CAREFULLY BEFORE INSTALLING, ACCESSING, OR USING THE ADVANTAGE FIRST FINANCIAL WEBSITE LOCATED AT WWW.ADVANTAGEFIRST.COM, INCLUDING ANY PROGRAMS, SERVICES, PRODUCTS, MATERIALS, DOCUMENTATION, AND INFORMATION AVAILABLE THROUGH THE SITE (COLLECTIVELY, THE “SITE”).
By accessing or using the Site, you agree to be bound by these Terms of Service (the “TOS”). If you do not agree to these terms, you must immediately cease using the Site. Advantage First Financial grants access to the Site only if you accept all the terms and conditions contained in this TOS.
1. LICENSE GRANT
Advantage First Financial grants you, as a "User," a personal, revocable, limited, non-exclusive, royalty-free, and non-transferable license to use the Site, provided you comply with these TOS. You may print and download materials from the Site for personal use, ensuring all copies include all applicable copyright and proprietary notices. This TOS constitutes a license, not a transfer of ownership, and Advantage First Financial retains all rights to the Site.
2. USER OBLIGATIONS
By using the Site, you confirm you are at least eighteen (18) years old and that all information you provide is accurate and complete. If you provide false or incomplete information, Advantage First Financial may terminate your access to the Site. You agree to comply with all applicable laws and not to disrupt the use of the Site by others or interfere with the Site’s operation. Impersonation of any person or entity, including an Advantage First Financial representative, is prohibited.
Use of the Internet is at your own risk. Advantage First Financial cannot guarantee the confidentiality of any communication or material transmitted to/from the Site over the Internet. Advantage First Financial is not responsible for the security of information transmitted via the Internet, the accuracy of Site information, or the consequences of relying on such information.
3. LICENSE GRANT RESTRICTIONS
You may not modify, distribute, reproduce, or use the Site in any manner not expressly permitted by these TOS. Prohibited actions include but are not limited to using automated systems to access the Site, attempting unauthorized access, probing the Site’s security, and overloading the Site's infrastructure. Unauthorized use may result in criminal or civil prosecution. Advantage First Financial reserves the right to monitor the Site and comply with legal requests for information.
4. TERM AND TERMINATION
This TOS is effective when you begin using the Site and may be terminated by Advantage First Financial at any time. If you breach these TOS, your access will be terminated without notice. Upon termination, you must destroy all copies of Site materials. Certain provisions of this TOS will survive termination, including those related to intellectual property, confidentiality, and liability.
5. PROPRIETARY RIGHTS
All content on the Site, including text, graphics, software, and design, is owned by Advantage First Financial and protected by law. Unauthorized use of Site content may violate intellectual property laws. Advantage First Financial enforces its intellectual property rights to the fullest extent of the law. The Site and its contents are Copyright © 2024 Advantage First Financial and its licensors. All trademarks, logos, and service marks are proprietary to Advantage First Financial or their respective owners.
6. PRIVACY POLICY
Your personal information is considered confidential by Advantage First Financial. By using certain Site features, you agree to the collection and use of your information as described in the Privacy Policy. Review the Privacy Policy for detailed information on data collection practices.
7. SMS TERMS & CONDITIONS
By providing your mobile number and opting in, you consent to receive text messages from Advantage First Financial regarding account-related information and support. Message frequency varies. Standard message and data rates may apply. To opt out, text STOP to any message received. For support, text HELP or call (800) 282-7186.
8. FORWARD-LOOKING STATEMENTS
The Site may contain forward-looking statements based on current expectations. These statements are subject to risks and uncertainties, and actual results may differ materially. Advantage First Financial disclaims any obligation to update forward-looking statements.
9. PRESS/NEWS RELEASES
Press releases are provided for informational purposes and are accurate as of their release date. Information in press releases may become outdated, and reliance on such information is at your own risk.
10. SUBMISSIONS
By submitting feedback to Advantage First Financial, you warrant that it does not infringe third-party rights and grant Advantage First Financial a royalty-free, perpetual license to use, reproduce, and distribute the feedback.
11. THIRD PARTY PRODUCTS/SERVICES
The Site may feature third-party content. Advantage First Financial does not guarantee the accuracy or quality of third-party materials and disclaims responsibility for them.
12. ADVERTISERS ON THIS SITE
Dealings with advertisers on the Site are solely between you and the advertiser. Advantage First Financial is not responsible for any loss or damage resulting from such dealings.
13. LINKS TO OTHER SITES
The Site may contain links to third-party websites. Advantage First Financial is not responsible for the content or services provided by these websites and does not endorse them.
14. LINKS TO THIS SITE
You may link to the Site, provided the link does not imply endorsement by Advantage First Financial and is not used for commercial or fundraising purposes. Use of Advantage First Financial’s logos or content requires written permission.
15. DISCLAIMER
The Site and its contents are provided "as is." Advantage First Financial makes no warranties regarding the accuracy, completeness, or reliability of the Site’s information. Use of the Site is at your own risk, and Advantage First Financial disclaims liability for any errors or interruptions.
16. LIMITATION OF LIABILITY
Advantage First Financial is not liable for indirect, incidental, or consequential damages arising from the use of the Site. Some jurisdictions do not allow certain limitations, so these may not apply to you. The maximum liability of Advantage First Financial is limited to $100.
17. INDEMNITY
You agree to indemnify Advantage First Financial against any claims arising from your use of the Site or breach of these TOS. Advantage First Financial may assume exclusive defense of any such claims.
18. GENERAL PROVISIONS
These TOS, along with the Privacy Policy and any applicable service agreements, constitute the entire agreement between you and Advantage First Financial regarding the Site. Advantage First Financial may modify these TOS at any time by posting changes online. Continued use of the Site indicates acceptance of these changes. This TOS is governed by the laws of the State of Utah, and any disputes will be resolved in the state or federal courts located there. If any provision of these TOS is deemed invalid, the remaining provisions will remain in effect. Failure to enforce any provision of these TOS does not constitute a waiver of that provision.
18. CONTACT US
If you have any questions or concerns regarding these Terms of Use, please contact us at
By using this website, you acknowledge that you have read and understood these Terms of Use and agree to abide by them. Your access to and use of our website is subject to these Terms and all applicable laws and regulations
Effective March 2024