Last modified: 10/25/2019
First Choice Consolidation Plus, Inc. provides loan referral services but does not make and/or fund any product offerings, loans, or credit decisions. This web site and the content within do not constitute an offer or solicitation to lend. This web site will securely submit the information you provide to a lender and/or lending partner. Providing your information on this web site does not guarantee approval for a product offering. We are not a direct lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states.
What information do we collect?
We at MyFirstChoicePlus.com (MyFirstChoiceDebtConsolidation) are committed to protecting your privacy. We will not collect any personal information from you (name, telephone number and email addresses) unless you fill out a form. You may, however, visit our site anonymously.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
- To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
- To send periodic emails
The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
We use third party advertising technology to serve ads on our website(s) and on the websites where we advertise. We normally serve our advertisements by ad networks such as DoubleClick that are independent of us. Third party servers may employ cookies or action tags to measure advertising effectiveness, target advertising to individuals and for other purposes.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, service providers that are within our trusted network, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
By submitting your request you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution.
We may be co-branded with “partners and affiliates”. These business-to- business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt- out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies, which may or may not reach the standards set by our company.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
YOUR CALIFORNIA PRIVACY RIGHTS
In California, you may opt-in to have personal information about you shared with third parties for their direct marketing purposes. Consistent with California Civil Code Section 1798.83, if you no longer wish to have personal information about you shared with third parties for their direct marketing purposes, please email us at email@example.com to request to not have your information shared in this manner.
The CCPA, California Civil Code Sections 1798.100 et seq., affords certain rights to you if you are a California resident. For example, California residents may have a right, following a verifiable request, to:
(1) access—twice in a 12-month period, free of charge—the categories and/or specific pieces of personal information we have collected about you, the categories of sources from which the personal information is collected, the business purpose for collecting the personal information, and the categories of third parties with whom we share personal information, for the 12-month period prior to the request; and
(2) delete personal information under certain circumstances.
To request access to your personal information or request that we delete your personal information, you may contact us through any of the following methods:
- Via email at firstname.lastname@example.org (please include “California Privacy Request” in the subject line)
- Via Phone at 1-800-583-9374
Please specify in your request the details of what personal information you would like to access or delete.
To protect your personal information, we will verify your identity using data points you have previously provided to us. Please have this information available so that we can verify your request.
You may also authorize an agent to submit a request on your behalf, so long as you provide the authorized agent written permission to request on your behalf, and your authorized agent additionally is able to verify their identity with us. Please have your authorized agent follow the instructions above to make a request, and additionally mail your written declaration authorizing the agent to act on your behalf, certified by a California notary public, to:1100 Town and Country Rd. Suite 1250 Orange, CA 92868. f your authorized agent has power of attorney pursuant to Probate Code sections 4000 to 4465, it may not be necessary to perform these steps.
You have a right not to receive discriminatory treatment by the business for the exercise of the privacy rights conferred by the CCPA.
Special notification for California residents
We must disclose, upon request, the identity of third-parties to whom Company has disclosed Your Personally Identifiable Information within the previous calendar year, along with the categories of personal information disclosed, for the third- parties’ direct marketing purposes. If you are a California resident and would like to make such a request, you may communicate your desire to do by contacting: First Choice Consolidation Plus, Inc. 1100 Town & Country Road Suite 1250 Orange, CA 92868. You may also email this request to email@example.com.
Childrens Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing us or by contacting us by telephone or postal mail at the contact information listed below.
Restrictions on Use of Our Online Materials
All Online Materials on the My First Choice Plus site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by My First Choice Plus. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the My First Choice Plus site. Any attempts to modify any Online Material, or to defeat or circumvent our security features are prohibited.
Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by First Choice Consolidation Plus or third-party licensers for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You’re not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.
Submitting Your Online Material to Us
That means that we don’t have to treat any such submission as confidential. You can’t sue us for using ideas you submit. If we use them, or anything like them, we don’t have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our First Choice Consolidation Plus mission, without compensating you or anyone else for them.
You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.
Limitation of Liability
First Choice Consolidation Plus WILL NOT BE LIABLE FOR ANY DAMAGES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE.
THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR ICAURY CAUSED BY ANY:
USE OF (OR INABILITY TO USE) THE SITE
USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
ERROR ON OUR SITE
OMISSION ON OUR SITE INTERRUPTION OF AVAILABILITY OF OUR SITE
DEFECT ON OUR SITE
DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
COMPUTER VIRUS OR LINE FAILURE
PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR ICAURY
DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR ICAURY (KNOWN IN LEGAL TERMS AS “CONSEQUENTIAL DAMAGES.”)
OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR ICAURY (KNOWN IN LEGAL TERMS AS “INCIDENTAL DAMAGES.”)
WE ARE NOT LIABLE EVEN IF WE’VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.
EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE “INCIDENTAL” OR “CONSEQUENTIAL” DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES.
HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, ICAURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR THEY’RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.
Links to Other Site
We sometimes provide referrals to and links to other World Wide Web sites from our site. Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our site. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a First Choice Consolidation Plus-operated site or have moved to another site. First Choice Consolidation Plus is not responsible for the content or practices of third party sites that may be linked to our site. When First Choice Consolidation Plus provides links or references to other Web sites, no inference or assumption should be made and no representation should be inferred that First Choice Consolidation Plus is connected with, operates or controls these Web sites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any First Choice Consolidation Plus site or endorsement, sponsorship or support of First Choice Consolidation Plus, including its respective employees, agents or directors.
Termination of This Agreement
This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all First Choice Consolidation Plus Web site, along with all related documentation and all copies and installations. First Choice Consolidation Plus may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web site, we do not in any way promise that the materials will remain available to you. And First Choice Consolidation Plus is entitled to terminate all or any part of any of its Web site without notice to you.
Jurisdiction and Other Points to Consider
Any other disputes will be resolved as follows:
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Orange County, CA. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.