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Use of this Web Site is governed by the following terms and conditions.
© 2010 Credit First National Association All rights reserved.
 
Terms and Conditions of Use
Please Read These Terms Carefully Before Using The Site
 

Credit First National Association ("CFNA") wants every visitor to enjoy its web site (the "Site") but also must protect its own interests; therefore CFNA requires that all visitors to the Site adhere to the following Terms and Conditions of Use. By accessing or using the Site in any manner you indicate your acknowledgment and acceptance of these Terms and Conditions of Use without modification. If you do not agree and accept without modification the Terms and Conditions of Use you may not use the Site.

As a condition of use of the Site, you agree to use the Site only for lawful purposes subject to all applicable international, federal, state and local laws and regulations. The following activities are strictly prohibited: (i) misrepresenting your identity; (ii) tampering with the Site; and (iii) conducting fraudulent activities.

Not all of the products or services described on the Site are available in all geographic areas or locations. You may not be eligible for all the products or services described. CFNA reserves the right to determine the eligibility for any product or service.

The Site, the materials contained within it, the information expressed and the trademarks, logos and service marks displayed at the Site (the "Materials") are protected by intellectual property rights of CFNA and other parties. CFNA grants you a non-exclusive, non-transferable, limited right to access, use, copy and print the Materials, without alteration, from the Site only for personal non-commercial use and subject to the copyright notice and trademark notice(s) at the Site. Visitors are not permitted to modify, copy (except as set forth in the preceding sentence), distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell the Materials or any other information, material, software, photographs, products or services from the Site. This right granted to visitors can be revoked or changed at any time. No other use is permitted without the prior written consent of CFNA or the third party that may own such Materials.

THE SITE MAY INCLUDE LINKS TO THE WEB SITES OF THIRD PARTIES ("Linked Sites"). THE SITE ALSO INCLUDES CERTAIN PAGES THAT ARE FRAMED TO PROVIDE INFORMATION FROM WEB SITES OF THIRD PARTIES ("Framed Pages"). CFNA PROVIDES THE LINKED SITES AND FRAMED PAGES AS A CONVENIENCE TO THE VISITORS TO THE SITE. THE INCLUSION OF ANY LINKED SITE OR FRAMED PAGE DOES NOT IMPLY CFNA'S ENDORSEMENT OF ANY COMPANY, ITS WEB SITE, OR THE PRODUCTS AND SERVICES IT SELLS. PLEASE NOTE THAT CFNA IS NOT RESPONSIBLE FOR ANY CONTENT, TERMS OF USE OR THE PRIVACY PRACTICES OF ANY WEB SITE OTHER THAN OUR OWN SITE AND THE TERMS AND POLICIES OF THE PAGE OWNER WILL CONTROL. CFNA HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE OR FRAMED PAGE. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND CFNA URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE OR FRAMED PAGE.

Any personally identifiable information you may provide to CFNA via the Site is subject to the CFNA Web Site Privacy Statement associated with the Site. Your access of the Site grants to CFNA the right to review and use for its own internal purposes information about you to the extent that you provide such information as a matter of access to the Site, in response to inquiries at the Site, or other means common in internet communications. For purposes of these Terms and Conditions of Use, internal use shall include, but not be limited to, supplying information to CFNA's affiliates and subsidiaries. Except as required by law and in accordance with the Web Site Privacy Statement or the CFNA Privacy Notice, CFNA will maintain the confidentiality of all user communications which contain confidential personal user information (such as credit card information) and which are transmitted directly to CFNA. User should be aware that Linked Sites and Framed Pages might contain terms of use and confidentiality provisions that differ from the provisions provided herein. CFNA is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

ALL CONTENT, PRODUCTS AND SERVICES ON THE SITE, INCLUDING, BUT NOT LIMITED TO, ANY INFORMATION OR ADVICE THAT MAY BE GIVEN OVER THE SITE, ARE PROVIDED "AS IS," AND ALL USE OF THE SITE AT THE YOUR OWN RISK. CFNA DISCLAIMS, AND YOU HEREBY WAIVE, ANY AND ALL WARRANTIES AND LIABILITIES OF CFNA, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, SECURITY OR ACCURACY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE THAT CFNA DOES NOT REPRESENT OR WARRANT THAT THE SITE WILL BE ACCESSIBLE WITHOUT INTERRUPTION OR THAT THE SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE FROM ERRORS, DEFECTS, DESIGN FLAWS OR OMISSIONS OR FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

CFNA DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN CFNA, (B) ANY CONTENT PROVIDED ON LINKED SITES OR FRAMED PAGES, OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE OR FRAMED PAGE.

USE OF THE SITE IS AT YOUR OWN RISK. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, IN NO EVENT WILL CFNA BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER TYPES OF CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF, OR DELAY OR INABILITY TO USE, THE SITE, ANY LINKED SITE OR FRAMED PAGE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, OR LOSS OF DATA, EVEN IF CFNA IS EXPRESSLY ADVISED ABOUT THE POSSIBILITY OF SUCH DAMAGES.

CFNA does not warrant or make any representations regarding the information, products and descriptions of services on the Site, Linked Sites or Framed Pages in terms of their correctness, accuracy, reliability, or otherwise. The information on the Site may contain inaccuracies or typographical errors, and CFNA specifically disclaims any liability for such inaccuracies or errors. CFNA does not warrant or represent that the content on the Site is complete or up-to-date. CFNA is under no obligation to update any content on the Site. Information, including, but not limited to, product pricing and availability, may be changed or updated without notice. CFNA reserves the right to change the content of the Site at any time. CFNA reserves the right to discontinue any service offered on the Site at any time without notice.

The Site is controlled, operated and administered by CFNA from its offices within the State of Ohio in the United States of America ("U.S."). CFNA makes no representation that materials at the Site are appropriate or available for use at other locations outside of the U.S. and access to them from locations where their contents are illegal is prohibited. You may not use the Site or export the Materials contained on the Site in violation of U. S. export laws and regulations. If you access the Site from a location outside of the U.S., you are responsible for compliance with all local laws. You agree that your use of the Site shall be governed by the laws of the State of Ohio, U.S. without giving effect to its conflict of laws provisions, and agree that jurisdiction and venue for any action shall be located in Cleveland, Ohio.

CFNA reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions of Use, including the right to block access from a particular Internet address to the Site.

Access to and use of any password protected or secure areas of the Site is restricted to only those persons authorized to access such areas by CFNA. Unauthorized persons attempting to access these areas of the Site may be subject to prosecution.

The Site may store some information on your computer in the form of a cookie or similar file for purposes of modifying the Site to reflect your preferences. The Web Site Privacy Statement provides additional information regarding CFNA's use of cookies and should be consulted.

These Terms and Conditions constitute the entire agreement between you and CFNA with respect to the Site. These Terms and Conditions of Use supercede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and CFNA with respect to the Site. No modification of these Terms and Conditions of Use shall be effective unless such modifications are made in writing and specify to whom such modifications will apply and for what duration they will apply and be signed by a duly authorized representative of CFNA. If any provision of the Terms and Conditions of Use is found to be contrary to law, then such provision(s) shall be constructed in a manner to closely reflect, as much as possible, the intentions of the parties, with the other provisions remaining in full force and effect.

Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises.