Terms of Use

Here's what to know before using First Bank's website

05/15/20

If you access any page of the First Bank website at first.bank (collectively, the “Website”), you agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions, do not access this site, or any of its pages. The Website is offered and available to users who are 13 years of age or older and reside in the United States or any of its territories or possessions.  By using the site, you represent and warrant that you meet all of the foregoing eligibility requirements.  If you do not meet all of these requirements, you must not access or use the Website.  We may, but are not obligated to, change or update the content of these terms and conditions from time to time, without notice. You should check this webpage regularly to be familiar with the most current terms and conditions.  

“First Bank” means FB Corporation and First Bank and any other affiliate or subsidiary of FB Corporation, or First Bank. “We,” “us” or “our” means First Bank.  Copyright in the pages and in the screens displaying the pages, as well as their design, text, sound recording, images software, and source code, is owned by First Bank or one of its affiliates or subsidiaries and may not be used without its prior written consent.

INTELLECTUAL PROPERTY RIGHTS AND TRADEMARKS
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof) are owned by First Bank, its affiliates, licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Website without our prior written consent.
The words “First Bank” and “First Bank Wisdom” and the First Bank logo are trademarks and service marks of FB Corporation.  You must not use such marks without the prior written permission of First Bank. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.


USE OF INFORMATION AND MATERIALS 
Unauthorized use of the Website and systems including but not limited to unauthorized entry into First Bank systems, or misuse of any information posted on a site is strictly prohibited. The information on the Website is for your information only. We do not warrant its completeness, timeliness, or accuracy. We do not undertake any responsibility to update or amend any information. The products and services described, as well as the related fees, charges, interest rates, and balance requirements may differ among geographic locations and not all products and services may be offered at all locations. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by First Bank. We reserve the right to terminate any or all web offerings without prior notice. By offering information, products or services on the Website, we are not making a solicitation where their offer is prohibited by law.  
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.


INFORMATION ABOUT YOU AND YOUR VISITS TO THE WEBSITE
All information we collect on this Website is subject to our Privacy Statement. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.


SUBMISSIONS
All information you submit to us via the Website is the property of First Bank. We may use any idea, concept, know-how or technique contained in information you provide to us through this site for any purpose. First Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed in writing signed by both parties or as required by law.  


LINKS 
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links.  First Bank has no control over the contents of those sites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them.  If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.  First Bank does not warrant that any such site or content is free from viruses or other contamination. The privacy policy of any third party may be different from that of First Bank.  


NO WARRANTY
The information and materials contained in this site, including text, graphics, links, or other items are provided "as is" and "as available". First Bank does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. First Bank gives no warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus regarding either the information or the materials.


LIMITATION OF LIABILITY
First Bank will not be liable for any damages, including, without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site, the use or inability to use any such site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if First Bank is advised of the possibility of such damages, losses or expenses. 


INDEMNIFICATION
You agree to defend, indemnify and hold harmless First Bank, its affiliates and their respective directors, officers, employees and agents, from and against all claims and expenses, including attorneys’ fees, arising out of your violation of these Terms of Use or misuse of the Website, including any such violation or misuse by your employee or agent, as applicable.


ADDITIONAL TERMS 
Certain sections or pages on the Website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.  


GOVERNING LAW 
All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Missouri without giving effect to any choice or conflict of law provision or rule (whether of the State of Missouri or any other jurisdiction).  
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Missouri, in each case located in the County of St. Louis. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.