Terms Of Use

What You Should Know

Welcome to the First Heritage Financial, LLC web site (the “Web Site”). Please read our Terms of Use (the “Terms”) carefully before continuing on with your use of this Web Site. THIS WEBSITE AND INFORMATION ON IT IS CONTROLLED BY First Heritage Financial, LLC IN THE UNITED STATES, PLEASE SEE OUR WEBSITE PRIVACY POLICY FOR FURTHER INFORMATION. These Terms shall govern the use of the Web Site and apply to all Internet traffic visiting the Web Site. By accessing or using this Web Site, you agree to the Terms. The Terms are meant to protect all of our Web Site visitors and your use of this Web Site signifies your agreement with these Terms. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THIS WEB SITE. First Heritage Financial, LLC reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms at any time. Such modifications shall be effective immediately upon posting. By using this Web Site after we have posted notice of such modifications, alterations or updates you agree to be bound by such revised Terms. In accordance with our goals, this Web Site will permit you to link to many other web sites, that may or may not be affiliated with this Web Site and/or First Heritage Financial, LLC, and that may have terms of use that differ from, or contain terms in addition to, the terms specified here. Your access to such web sites through links provided on this Web Site is governed by the terms of use and policies of those sites, not this Web Site.

Privacy

Registration data and certain other information about you is subject to our Privacy Policy. For more information, please review our full Privacy Policy.

Trademarks, Copyrights and Restrictions

This Web Site is controlled and operated by First Heritage Financial, LLC All content on this Web Site, including, but not limited to text, images, illustrations, audio clips, and video clips, is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by U.S. and worldwide copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes), and are owned and controlled by First Heritage Financial, LLC or its affiliates, or by third party content providers, merchants, sponsors and licensors (collectively “Providers”) that have licensed their content or the right to market their products and/or services to First Heritage Financial, LLC. Content on this Web Site or any web site owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use. You may print a copy of the content and/or information contained herein for your personal, non-commercial use only, but you may not copy, reproduce, republish, upload, post, transmit, distribute, and/or exploit the content or information in any way (including by e-mail or other electronic means) for commercial use without the prior written consent of First Heritage Financial, LLC or the Providers. You may request consent by faxing a request to First Heritage Financial, LLC at (215) 969-2822. Without the prior written consent of First Heritage Financial, LLC or the Providers, your modification of the content, use of the content on any other web site or networked computer environment, or use of the content for any purpose other than personal, non-commercial use, violates the rights of the owners of the First Heritage Financial, LLC Web Site and/or the Provider copyrights, trademarks or service marks and other proprietary rights, and is prohibited. As a condition to your use of this Web Site, you warrant to First Heritage Financial, LLC that you will not use our Web Site for any purpose that is unlawful or prohibited by these Terms, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material. If you violate any of these Terms, your permission to use our Web Site immediately terminates without the necessity of any notice. First Heritage Financial, LLC retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. You may not use on your web site any trademarks, service marks or copyrighted materials appearing on this Web Site, including but not limited to any logos or characters, without the express written consent of the owner of the mark or copyright. You may not frame or otherwise incorporate into another web site any of the content or other materials on this Web Site without prior written consent of First Heritage Financial, LLC.

Modifications

FIRST HERITAGE FINANCIAL, LLC may at any time make modifications, changes, and alterations to the contents of this website, including these Terms of Use, without prior notice. Users are responsible for regularly reviewing these Terms of Use. Your continued use of this website following any modifications, changes or alterations shall constitute your acceptance of each such modification, change or alteration.

Transmissions to and from this Website

Except when utilizing the forms within our website or when expressly indicated as being secure, transmissions to and from this website or directed to FIRST HERITAGE FINANCIAL, LLC, including emails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at FIRST HERITAGE FINANCIAL, LLC . Please do not use email other than the forms within our website to send us communications that contain confidential information, which we require to be in writing, or which need our immediate attention. Please contact us to communicate confidential information. Any transmission to this website, including emails, shall be deemed and remain the property of FIRST HERITAGE FINANCIAL, LLC. FIRST HERITAGE FINANCIAL, LLC may use and provide information contained in any such transmission (including any ideas, concepts, know-how or other intellectual property) to any of its affiliates for any purpose whatsoever and as deemed appropriate by FIRST HERITAGE FINANCIAL, LLC. Users should be aware that linked sites (see "Linked Sites", below) may utilize privacy policies which differ from ours. FIRST HERITAGE FINANCIAL, LLC is not responsible for such policies and expressly disclaims any and all liability related to such policies. Be aware of the unsecure nature of emails with any link to an email address.

Cookies

Cookies are small strings of text that a website can send to your computer. A cookie cannot retrieve any data from your hard drive, pass on computer viruses or capture personal information such as your email address. Currently, websites use cookies to enhance the user's visit; in general, cookies can securely store a user's ID and password, personalize home pages, identify which parts of a site have been visited or keep track of selections in a "shopping cart.” If you become a registered user with a designated user ID and password, we use cookies so that we can provide customized information that we believe will be of value to you based on preferences indicated, other information we have about you as a FIRST HERITAGE FINANCIAL LLC, as well as information available from external sources such as the census bureau. If you are a registered user and are visiting the site to, for example, perform banking transactions, you must accept the website's cookies as they are essential for site administration and security.

Copyrights and Other Intellectual Property

Except where otherwise expressly noted or as noted below, all contents of this website, including the graphics, icons and overall appearance of the website, are the sole and exclusive property of First Heritage Financial, LLC and/or its subsidiaries or affiliates. The posting of the contents of this website neither constitutes a waiver of any of FIRST HERITAGE FINANCIAL, LLC 's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents and other intellectual property, nor a transfer by implication, estoppel or otherwise of any such rights or of any license to the website user or to any third party. Contents of this website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any contents that you obtain from the website. The display of trademarks within this website does not grant you a license of any kind. Any downloading of material contained in the site, or of any site linked to the site, may be a violation of federal trademark and copyright laws. Any downloading of contents of this website or any website linked to this website may be a violation of federal and other trademark laws and federal copyright laws.

Linked Sites

We allow our website users to directly access non-FIRST HERITAGE FINANCIAL, LLC websites and content by providing links users to third-party sites, and by bringing third-party content into our site via "inverse" hyperlinks and framing technology (a "linked site"). We provide these links solely as convenient pointers to information on topics that may be useful to users of our website and we have no control over the content on such non-FIRST HERITAGE FINANCIAL, LLC websites. Should you choose to visit, via our link, a non-FIRST HERITAGE FINANCIAL, LLC website, FIRST HERITAGE FINANCIAL, LLC makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does FIRST HERITAGE FINANCIAL, LLC warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. FIRST HERITAGE FINANCIAL, LLC urges users to understand these risks before using, relying upon or retrieving information from a linked site. Links to non-FIRST HERITAGE FINANCIAL, LLC sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. Linked sites may have privacy policies that differ from ours. Click on Electronic Privacy Policy to view our current electronic privacy policy. The providers of linked sites may not be bound by federal regulation, as FIRST HERITAGE FINANCIAL, LLC is, to disclose your personal information only in compliance with such regulations. Be aware of the unsecure nature of emails with any link to an email address.

No Warranties

Although FIRST HERITAGE FINANCIAL, LLC attempts to ensure that the Contents provided or otherwise displayed on our website are accurate, we make no representation, endorsement or warranty that the Contents are accurate or suitable for your particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW.

Limitation of Liability

IN NO EVENT WILL FIRST HERITAGE FINANCIAL, LLC OR ITS SUBSIDIARIES, AFFILIATES, REPRESENTATIVES, CONTRACTORS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS OR EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF OUR WEBSITE OR A LINKED SITE, ANY FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, LINE SYSTEM FAILURE OR LOSS OF DATA; ANY LOSS OF USE RELATED TO OUR WEBSITE OR A LINKED SITE; ANY WEBSITE OPERATED BY ANY THIRD PARTY; OR ANY CONTENTS OF THIS WEBSITE OR ANY LINKED SITE, EVEN IF FIRST HERITAGE FINANCIAL, LLC IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Available Only Where Permitted by Law

The products and services of FIRST HERITAGE FINANCIAL, LLC are available only in the United States and other countries where permitted by law, to qualified members.

Governing Law

These Terms of use shall be governed by and construed in accordance with the law of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue

Disputes arising from the use of this website shall be exclusively subject to the jurisdiction of any federal or state court for the Commonwealth of Pennsylvania.

Severability

If a court of competent jurisdiction determines that a portion of our Terms of Use is unenforceable, such portion shall be modified solely to the extent necessary to cause such portion to be enforceable and these Terms of Use as so modified shall otherwise remain in full force and effect.

Waiver

No waiver by FIRST HERITAGE FINANCIAL, LLC of any right under or term or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

Accessibility

We are committed to making our content accessible to individuals with disabilities and are continually working to increase accessibility and usability. We continually monitor and test our website in order for it to meet the accessibility requirements as defined by World Wide Web Consortium's Web Content Accessibility Guidelines (WCAG) 2.1 A and AA accessibility levels.

FIRST HERITAGE FINANCIAL, LLC has incorporated design best practices into its website so that the pages are accessible to people with physical and visual impairments, including those who need screen readers, those who are color blind and those who cannot use a mouse.

Currently, our website may not meet all the WCAG 2.1 A and AA accessibility level standards despite our best efforts. Some documents on the FIRST HERITAGE FINANCIAL, LLC website are in portable document format (PDF). For the best experience viewing these files, please download the latest version of Adobe Acrobat Reader, which is available for free at the Adobe website.

Children’s Online Privacy Protection Act (COPPA)

First Heritage Financial, LLC is committed to protecting the online privacy of the children who visit its website and to complying with the Children’s Online Privacy Protection Act (COPPA). COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the internet.

1. Personal Information – First Heritage Financial, LLC does not collect or use personal information of children 13 and younger through its website.

2. Member Contact – First Heritage Financial, LLC may use feedback information from readers to respond to member service requests, inquiries, comment or suggestions when initiated by the visitor to the website.

3. First Heritage Financial, LLC may send invitations to community events and notifications of contests, scholarships or prize drawings to underage members via email and postal mail, which are sent to parent email and postal addresses on file. Email information is never sold, given or disclosed to third parties.

First Heritage Financial, LLC ’s website may include links to the external websites of others. These external sites are not part of First Heritage Financial, LLC ’s services and are not under control by the credit union. Because these external websites may have privacy policies that are different than First Heritage Financial, LLC, please consult the privacy policies of any website that asks for personally identifiable information before providing it.

Third Party Rights

These Terms are for the benefit of First Heritage Financial, LLC and its Providers, its and their officers, directors, employees, affiliates, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its or their own behalf.

Jurisdictional Issues

Unless otherwise specified, the content contained in this Web Site is presented solely for your convenience and/or information. This Web Site is controlled and operated by First Heritage Financial, LLC from its offices within Pennsylvania. First Heritage Financial, LLC makes no representation that content in its Web Site is appropriate or available for use in other locations. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. You may not use or export the materials in this Web Site in violation of U.S. export laws and regulations. These Terms shall be governed by, construed and enforced in accordance with the laws of the State of Pennsylvania, as they are applied to agreements entered into and to be performed entirely within such State. Any action you, any third party or First Heritage Financial, LLC, brings to enforce these Terms, or in connection with any matters related to this Web Site, shall be brought only in either the state or Federal courts located in Pennsylvania and you expressly consent to the jurisdiction of said courts. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Entire Agreement

The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between First Heritage Financial, LLC, its affiliated or related entities, and you, and supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding, the last published Terms or terms of use or understanding shall prevail.

Any rights not expressly granted herein are reserved by First Heritage Financial, LLC