First Financial Credit Effective Date: June 1, 2026

1. Introduction

First Financial Credit (“Company,“ “we,“ “us,“ or “our“) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, protect, and disclose information when you visit https://firstfinancialcredit.com or interact with our services.

As a financial services organization, we comply with applicable privacy and information security laws, including the Gramm-Leach-Bliley Act (“GLBA”), which requires financial institutions to protect customer information and provide notice regarding information-sharing practices. [ftc.gov], [ecfr.gov]

2. Information We Collect

We may collect the following types of information:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Financial or account-related information
  • Website usage data

Nonpublic Personal Information (NPI)

As part of providing financial products and services, we may collect and maintain Nonpublic Personal Information (“NPI”), which may include information provided by you on applications or other forms, information obtained through transactions with us, and information received from consumer reporting agencies or other authorized third parties.

We collect only the information reasonably necessary to provide services, comply with legal obligations, and conduct our business operations. [ecfr.gov], [ftc.gov]

3. How We Use Your Information

We use collected information to:

  • Provide and manage services
  • Process applications and inquiries
  • Communicate with you regarding your account
  • Send updates, alerts, and notifications
  • Improve website performance and user experience
  • Detect, prevent, and investigate fraud, unauthorized transactions, and security incidents
  • Comply with legal, regulatory, and record-retention requirements

4. SMS COMMUNICATIONS (IMPORTANT NOTICE)

By providing your mobile phone number, you consent to receive text messages from First Financial Credit, which may include:

  • Customer care messages
  • Account notifications
  • Appointment reminders
  • Marketing messages (if expressly opted in)

SMS DISCLOSURES

  • Message frequency varies
  • Message and data rates may apply
  • You may opt out at any time by replying STOP.
  • Reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchase or service.

5. Information Sharing and Disclosure

We respect your privacy.

No mobile opt-in data or text messaging consent will be shared with third parties or affiliates for marketing or promotional purposes.

We may share information:

  • With service providers that perform services on our behalf
  • To process transactions and maintain accounts
  • To comply with legal, regulatory, audit, or law enforcement requirements
  • To prevent fraud or unauthorized activity
  • As otherwise permitted or required by applicable law

We do not disclose Nonpublic Personal Information (NPI) to nonaffiliated third parties except as permitted by law or with your consent where required. Where applicable, customers will be provided any required privacy notices and rights to limit certain information sharing. [ecfr.gov], [ftc.gov]

6. Data Security and GLBA Safeguards

We maintain a comprehensive information security program designed to protect the security, confidentiality, and integrity of customer information.

Our safeguards include administrative, technical, and physical controls such as:

  • Access controls based on business need
  • Employee security and privacy training
  • Multi-factor authentication where appropriate
  • Encryption of sensitive information in transit and, where appropriate, at rest
  • Continuous monitoring and security assessments
  • Vendor and service-provider security oversight
  • Incident response and business continuity procedures
  • Physical safeguards to protect records and systems

Additionally, we maintain secure domain and communication practices, including SSL/TLS encryption and DNS security controls such as Certificate Authority Authorization (CAA) records to prevent unauthorized certificate issuance.

Service providers with access to customer information are required by contract to maintain appropriate safeguards and protect information consistent with applicable privacy and security requirements. [ecfr.gov], [ftc.gov]

7. Cookies and Tracking

We may use cookies and similar technologies to:

  • Analyze traffic
  • Improve functionality
  • Enhance user experience

You may disable cookies through your browser settings.

8. Third-Party Services

We may use third-party vendors for:

  • Analytics
  • Payment processing
  • Communication services (including SMS providers such as RingCentral)
  • Information technology and security support

These providers are contractually obligated to protect customer information and may use such information only for authorized business purposes. [ftc.gov], [ecfr.gov]

9. Your Privacy Rights

You may:

  • Request access to your personal information, where permitted by law
  • Request correction of inaccurate information
  • Request deletion of information when legally permissible
  • Opt out of certain communications
  • Obtain information regarding our privacy practices

Customers may request copies of applicable privacy notices or inquire about our information-sharing practices by contacting us using the information below. [ecfr.gov]

10. Contact Information

First Financial Credit

[Insert Business Address]

Phone:[Insert Phone Number]

Email: [Insert Email Address]

11. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

12. Gramm-Leach-Bliley Act (GLBA) Compliance

First Financial Credit maintains policies, procedures, and safeguards designed to comply with applicable provisions of the Gramm-Leach-Bliley Act, including requirements relating to customer privacy, protection of Nonpublic Personal Information, information security, employee access controls, service-provider oversight, and ongoing risk management. We continually evaluate and update our privacy and security practices to address evolving risks and regulatory expectations. [ecfr.gov], [ecfr.gov], [ftc.gov]