Terms and Conditions

Thank you for visiting the www.firstfedca.com web site (the “Site”) belonging to First Federal Bank of California.  Whether you are an existing client, or just considering First Federal Bank of California for your banking needs, we hope you find the product and service information on the Site to be beneficial.

This Site and any of the products and services provided by First Federal Bank of California in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms and Conditions. By accessing this Site you agree to be bound by these Terms and Conditions. Before using the Site, please read carefully the Terms and Conditions below as well as our Privacy Policy.

Copyright and Trademark Information

All of the text, screens, images, and web pages appearing on the Site are the property of First Federal Bank of California, except as otherwise expressly stated. Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by First Federal Bank of California or owned by third parties. You may copy information from the Site for personal or educational use, provided the copies contain all applicable copyrights and trademarks. You may not use the material on the Site for any other purpose without the express written consent of First Federal Bank of California. You may not use any of the First Federal Bank of California trademarks as a link to the Site except pursuant to a written trademark license agreement. You acknowledge that you do not acquire any ownership rights by downloading copyrighted or trademarked material.

Products Offered and Eligibility

The Site offers banking related Services. All of these Services may not be available in an area where you live. In addition, you may not be eligible for any or all of the Services described on the Site. Also, there are restrictions, limitations, and costs associated with First Federal Bank of California’s Services, which are included in appropriate product and service disclosures, and apply regardless of information contained on the Site. First Federal Bank of California reserves the right to determine eligibility for all Services offered on the Site.

Disclaimer and Limitation of Liability

BY USING THE SITE, YOU AGREE THAT ALL ACCESS AND USE OF THE SITE AND ITS CONTENTS ARE AT YOUR OWN RISK. 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. THIS DOES NOT AFFECT THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

YOU ACKNOWLEDGE THAT NEITHER FIRST FEDERAL BANK OF CALIFORNIA, 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.

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT FIRST FEDERAL BANK OF CALIFORNIA 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 FEDERAL BANK OF CALIFORNIA 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 LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

You agree that use of the Site shall be governed by federal law applicable to federal savings banks and, where applicable, California state law.

Third Party Content

The Site may contain links to third party web sites. First Federal Bank of California makes no representations or warranties, express or implied, regarding any third party information, products and services or any links to other web sites.  If you access a third party web site through a link on the Site, you will be subject to the terms, conditions, and privacy policies of that site.

Changes

First Federal Bank of California reserves the right to change these terms and conditions, or the content of any portion of the Site, at any time without notice. By continuing to access the Site after we have posted the changes, you signify your agreement to the changes. 

Indemnification

You agree to defend, indemnify and hold harmless First Federal Bank of California, 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 and Conditions or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.