Terms of Use
Use of this Site
Welcome to the First Foundation Inc. website ("Site"). Your use of this Site and its services ("Services") will be subject to the following terms and conditions. Please read them carefully. By accessing this Site or using any Service, you are agreeing to these terms. If you do not want to be bound by these Terms, you should leave this Site.
The terms "we" and "us," as used below, refer to First Foundation Inc. and the companies that have helped to create and support this Site.
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If you are using a screen reader and are having problems using this website, please call (888) 698-7442 for assistance.
Compliance with Laws and Site Guidelines
You agree to comply with all laws applicable to your use of this Site and/or the Services. You also agree not to engage in any activities that: encourage a violation of any law or regulation by others; impersonate or invade the privacy of another; infringe the property rights of any third party; are in any way connected with the transmission of "junk mail," "spam," chain letters, or any other mass distribution of unsolicited e-mail; interfere with the functioning of the Site or any linked web site; or involve sending abusive, obscene, hateful or otherwise offensive content by means of any Service. You agree to comply with the rules of the internet service providers, networks, hosting and telecommunication services, servers, computer databases, and web sites that you access or use in conjunction with this Site and/or the Services.
Intellectual property laws protect the original material that we post at this Site. You are granted a non-exclusive license to access the content on this Site and to print copies of any content only for your personal use. Commercial use of any content is prohibited. Certain Services may be subject to limitations that are not expressly stated below. Please check the other portions of this Site for additional details.
Privacy Policy
Please see our Privacy Policy pages for details regarding the manner in which we collect and use information about you.
Information Security
We maintain the confidentiality of your personally identifiable information, and use technology and procedures to maintain the confidential information we collect in delivering our services to you. You agree not to access or attempt to access the non-public areas of this Site or any other user's password-protected information. Linked Sites and Advertisements.
You may be able to access web sites operated by third parties from this Site. Unless we tell you otherwise in writing, we do not operate or control any of the information, products or services on such linked sites. You acknowledge and agree that: (a) you access such linked sites at your own risk; (b) we make no representation or warranty, and assume no responsibility for, any linked site or the actions or omissions of its owners or operators; (c) we make no endorsement of, and assume no responsibility for, any goods or services offered by the companies that "power" or support this Site or any other site; and (d) although we may have a contractual or other relationship with the operators of a linked site, we will not be responsible for the content, accuracy, integrity or operation of their site.
Third parties may offer goods and services to you through marketing that is made available at or through this Site. Unless we expressly state otherwise, we make no endorsement regarding such parties, and we make no representation, recommendation or warranty with respect to their goods, services or advertising. You agree to hold us harmless in connection with our selection of third party advertisers, as well as their actions and omissions.
Limitation on Liability and Warranty Disclaimers
THE SITE AND THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
YOU ACKNOWLEDGE THAT NEITHER FIRST FOUNDATION INC., ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. FIRST FOUNDATION INC. DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.
YOU AGREE THAT FIRST FOUNDATION INC. IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, FIRST FOUNDATION INC. WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING WITHOUT LIMITATION LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.
Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. To the extent these laws apply to you, some of the provisions set forth in this Agreement may not apply.
We will not be liable to you for any failure or delay in performing the Services or making the Site available for your use if the failure or delay is due to: causes beyond our reasonable control; natural catastrophes; governmental actions or omissions; the application of any law, payment system rule, governmental guideline or regulation; terrorism; labor strikes or difficulties; communication system breakdowns; hardware or software failures; viruses introduced by third parties; our inability to confirm your identity or your authority to act; or our inability to procure supplies or materials or access the networks through which we operate the Services.
Except as otherwise provided by law or our other agreements with you, you agree to indemnify, defend and hold us, our affiliates, the vendors that assist us in providing Services, and our respective directors, officers, employees and agents harmless from and against all claims, actions, proceedings, damages and costs (including attorney's fees) related to or arising out of: (i) your use of this Site or the Services; (ii) the actions or omissions of third parties who advertise at our Site or through linked sites; (iii) our reliance on instructions that are accompanied by your password or security code; or (iv) your breach of these terms.
Proprietary Information
You acknowledge and agree that the software used by us in the operation of this Site, and the copyright, patent, trademark, trade secret and all other proprietary rights in and to the technology, designs, graphics, marks, images, source code and software used by us for this Site and the Services, are proprietary to us and our licensors. As such, you will not gain any ownership or other right, title or interest in or to them by reason of these Terms or otherwise. You may not reverse engineer, modify, or de-compile any of the technology that we make available to you. You agree not to engage in the practice known as "screen-scraping" in an attempt to obtain a list of our Site users. You agree to comply with the terms of any license agreement we make available to you with any software.
You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without First Foundation's prior written consent. Certain words and phrases used on the Site to identify the source of goods and services are trademarks and service marks owned by First Foundation Inc. or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph. You may not use any of First Foundation's trademarks as a link to the Site except pursuant to a written trademark license agreement.
Miscellaneous
The validity, interpretation and legal effect of these Terms will be governed by the laws of the State of California, without reference to its conflict of law provisions. We make no representation that the content of this Site or the Services are appropriate or available for use in all locations. If any provision of these Terms is found to be invalid or unenforceable, the remainder of the Terms will continue in effect. Any waiver of the provisions of these Terms must be in writing to be valid. No waiver will occur as a result of a usage of trade, custom or practice.
Termination
We may terminate your use of the Site and any of the Services at any time without cause. These Terms will continue to apply following such termination to any obligations incurred or arising prior to termination.
Amendments
We may amend (add to, delete from, or otherwise change) these Terms by posting a revised Terms and Conditions at the Site or by sending you a written or electronic notice. Your continued use of the Site or Services after such notification will be evidence of your agreement to the changes. As such, you should visit this page periodically.
Online Privacy Statement for Customers at First Foundation
First Foundation is committed to protecting your privacy when you use our Online Banking Services. We understand and respect that your privacy is important to you, and First Foundation is dedicated to protecting it. The First Foundation Online Privacy Statement explains how we comply with all information security and privacy laws focused on financial controls over client information and identity protection.
All online customers and site visitors are consenting to the terms of this Statement.
This policy is intended for residents of the United States and its territories. If you are not a resident of the United States or its territories, your information may be transferred or processed outside of your home country, including in the United States and its territories.
We are committed to treating and using our clients’ information responsibly, and protecting the privacy of our online customers and site visitors. First Foundation complies with all information security and privacy laws focused on financial controls over client information and identity protection.
- We only disclose and share client information online as outlined in our Privacy Policy.
- We never sell client information.
- We have implemented significant physical and electronic security features to prevent unauthorized access to client information.
- We limit employee access to customer information.
- We conduct regular reviews of our computer systems and all security features.
- We conduct regular vendor security due diligence to ensure that our vendors protect customer information in accordance with our security policies and standards.
- We train our employees in information security and privacy.
Our Online Privacy Statement describes how we may collect, use and share information you provide when you visit our website, receive our emails or interact with our third-party websites.
What Information Do We Collect?
First Foundation collects two types of online information: non-personal and personal.
Non-Personal Information
When you visit the First Foundation site or use our Online Banking services, we gather information such as the type of internet browser you are using, the operating system of your device, your IP address, and other information collected through cookies.
Personal Information
In addition to the information described in the previous section, we may also gather personal information that you provide to us such as your name, address, email, Social Security or tax identification number, birth date, and mother’s maiden name.
Collecting this personal information enables us to offer you online services to assist with your financial needs. For example, we collect personal information when you are enrolling in Online Banking Services.
Your information is also shared with third parties, such as a bill payment service provider, in order to provide such service to you. You can refer to the terms and conditions for your account(s) or service(s) to learn how your information is collected and used.
We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location and analytical information. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).
The personal information you provide online is held by the First Foundation business that maintains your account or is processing your application for a new product or service. You can access and/or change information in connection with your account or application by contacting your banker.
Please see our Privacy Policy, which we provide to all our individual clients, for a comprehensive explanation of how we collect, use and share personal information and what you can do to limit the use and sharing of your information as our client.
Security
We take the responsibility of protecting your sensitive information very seriously. We use physical, technical, and procedural safeguards that comply with legal and regulatory expectations to secure your information from unauthorized access and use, alteration, and destruction. Refer to the Protecting Your Privacy section for more information on First Foundation’s security practices.
How Do We Use the Information We Collect?
First Foundation uses the information we collect about and from you to manage our business. The information we collect allows us to:
- Recognize you when you return to our site
- Process applications and transactions
- Respond to your requests
- To assist with diagnostics and performance
We may also use personal information we have about you such as your email or postal address to deliver notices, newsletters and advertisements to you directly.
Can You Control Your Information That's Collected and Used Online?
You have the ability to control how your non-personal information is collected and used online.
Cookies and other Local Shared Objects
A cookie is a small data file that can be placed on your hard drive when you visit certain websites. It can collect, store, and sometimes track information. Cookies are commonly used on websites and do not harm your system. Your internet browser may have settings and preferences which allow you to block the use of cookies and other Local Shared Objects from being placed on your computer. Refer to your browser settings for details. First Foundation’s website does not place cookies and other browser related objects on your computer.
When you provide your email address to First Foundation, we may use it to send you general notices or important news about your account(s), respond to your requests, request your feedback or opinions, or provide updates on special deals and offers that might be of interest to you.
Please do not include personal account information (account number, social security numbers, etc.) or other confidential information in your email message. In addition, email messages will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may email messages be used to place a stop payment on a check, cancel a bill payment, request account transfers, or report lost or stolen banking codes and/or cards.
We believe you should be able to choose the kinds of information you receive via email. If you prefer not to receive marketing materials by email, you may choose to ‘opt-out’ on the contact information for your account(s). You can also contact First Foundation to ‘opt-out’ at (888) 489-0188. Please keep in mind that we will continue to notify and respond to you by email regarding your account(s).
California Do Not Track Disclosure
There are no current standards for how “Do Not Track” consumer browser settings should work on commercial websites; therefore, we do not respond or take any action with respect to the “do not track” configuration set on your browser.
Updates to this Privacy Statement
From time to time, we may change this Online Privacy Statement. As indicated below, the effective date of this statement shows the last time it was revised or materially changed. Checking the effective date allows you to determine whether there have been any changes since the last time you reviewed the statement. Your use of the site following changes to this statement means that you accept the revised statement.
Regulatory Compliance
First Foundation Online Services are intended for customers and visitors in the United States. When we process personal data and information and personally identifying information in the United States, we follow United States data protection and privacy regulations.
Applicable Website Governance
The webpage, as well as all other webpages associated with First Foundation, is controlled and operated from the United States and are not intended to subject First Foundation to the laws or jurisdiction of any state, country, or territory other than those of the United States. When First Foundation processes personal data and personally identifying information in the United States, we follow United States data protection and privacy regulations.
Questions
If you have any questions regarding this Statement, you can contact to us at: Call (888) 830-4199- Ask for Privacy Officer, email us Privacy@ff-inc.com, or write us First Foundation Inc., 18101 Von Karman Ave., Ste 750, Irvine, CA 92612.
Effective Date: This Online Privacy Statement was last modified February 09, 2024.