Terms and Conditions of Use

Thank you for using Financial Corporation of America’s (hereinafter referred to as “FCOA”) website (hereafter referred to as “Website”). This page gives you basic principles for using the Website and is provided subject to the following terms and conditions and FCOA’s “Website Privacy Policy” which can be accessed by clicking the tab titled “Website Privacy Policy” on the Website or clicking here. Please read these terms and conditions carefully as your use of the Website and communications with FCOA on the Website constitutes acceptance of these Terms and Conditions of Use. If you do not agree to the Terms and Conditions of Use, do not use the Website. FCOA may, in its sole discretion, modify or revise these Terms and Conditions of Use at any time by updating this web page. You are bound by any such modification or revision and your continued use of our Web Site after we make changes is deemed to be acceptance of those changes, so please check the Terms and Conditions of Use and Website Privacy Policy each time you use our Website for updates. The date of last revision is displayed at the bottom of the last page of these Terms of Use and the Website Privacy Policy.

FCOA provides content on our website that you can download, including but not limited to text, software, photographs, graphics, data, videos, and other material (” FCOA Content”) that is protected worldwide by copyright and other laws. The FCOA Content includes both content owned or controlled by FCOA and content owned or controlled by third parties and licensed to FCOA.  FCOA authorizes you to view and download a single copy of the FCOA Content on the Website solely for your personal, non-commercial use. You may not sell or modify the FCOA Content or reproduce, display, publicly perform, distribute, or otherwise use the FCOA Content in any way without the prior express consent of FCOA. You agree that you will not use this site for any purpose that is unlawful or prohibited by these FCOA’s Terms and Conditions for Use, and other notices on the FCOA Website. Use of Content for any other purpose is expressly prohibited.

There are links (Third Party Links) in the FCOA Web Site that will allow you to leave FCOA’s Website and be redirected to Third Party Websites not owned or operated by FCOA. The content of any Third-Party Website reached by use of a Third-Party Link is not under the control of FCOA. FCOA is not responsible for the content, nor does it have any ownership interest in any Third-Party Website or any link to other websites contained in a Third-Party Website. FCOA is providing Third Party Links to Third Party Websites to you as a convenience and for informational purposes only. The right to use or copy any Content described in the prior paragraph does not include any right or authorization by FCOA to copy, reproduce, display or use such Third-Party Website which is contrary to the ownership rights held by the owner of such Third-Party Website or the terms of use for such Third-Party Website.

FCOA may send you information related to any request made by you or for any other legitimate business purpose of FCOA.  This includes contacting you at any  email address or wire line or cellular telephone number that you, or any of your representatives,  have provided to FCOA or any owner of any account which has been placed with FCOA for collection, including but not limited to, contacting you at any wire line, cell or other mobile telephone number by use of an automated telephone dialing device. You acknowledge and agree that FCOA has the right to do so. You can choose to opt out of any contact method by changing your contact preferences as described in our Website Privacy Policy

These Terms and Conditions apply to all users who visit the FCOA Website. Your use of the FCOA Website constitutes acceptance of these Terms and Conditions of Use and indicates that you expressly consent to our use and disclosure of your personal information in accordance with our FCOA Web Site Privacy Policy.

Last Updated 09-14-2020