Select a Service

Terms of Use

Read This Terms of Use Agreement Before Accessing Website.

Effective Date: This Terms of Use Agreement was last updated on 04/10/2012.

This Terms of Use Agreement sets forth the standards of use of the First State Financial Online Service. By using the First State Financial/FirstStateFinancial.net website you (the “User”) agree to these terms and conditions. If you do not agree to the terms and conditions of this agreement, you should immediately cease all usage of this website. We reserve the right, at any time, to modify, alter, or update the terms and conditions of this agreement without prior notice. Modifications shall become effective immediately upon being posted at First State Financial/FirstStateFinancial.net website. Your continued use of the Service after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

Description of Service
First State Financial is providing Users with information about First State Financial’s products and services. All products and services may not be available in all areas and may be subject to change without notice. This site also contains tools and calculators for educational purposes only. First State Financial does not guarantee the accuracy of the calculators or the results. First State Financial disclaims all liability for damages of any kind arising out of the use of the tools and calculators.

Disclaimer of Warranties
The site is provided by First State Financial on an “as is” and on an “as available” basis. To the fullest extent permitted by applicable law, First State Financial makes no representations or warranties of any kind, express or implied, regarding the use or the results of this web site in terms of its correctness, accuracy, reliability, or otherwise. First State Financial shall have no liability for any interruptions in the use of this Website. First State Financial disclaims all warranties with regard to the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, therefore the above-referenced exclusion is inapplicable.

Limitation of Liability
FIRST STATE FINANCIAL SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR FIRST STATE FINANCIAL SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THIS WEB SITE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF FIRST STATE FINANCIAL` HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS IS INAPPLICABLE.

Indemnification
User agrees to indemnify and hold First State Financial, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees and costs, made by any third party due to or arising out of User’s use of the Service, the violation of this Agreement, or infringement by User, or other user of the Service using User’s computer, of any intellectual property or any other right of any person or entity.

Modifications and Interruption to Service
First State Financial reserves the right to modify or discontinue the Service with or without notice to the User. First State Financial shall not be liable to User or any third party should First State Financial exercise its right to modify or discontinue the Service. User acknowledges and accepts that First State Financial does not guarantee continuous, uninterrupted or secure access to our website and operation of our website may be interfered with or adversely affected by numerous factors or circumstances outside of our control.

Third-Party Sites
Our website may include links to other sites on the Internet that are owned and operated by online merchants and other third parties. You acknowledge that we are not responsible for the availability of, or the content located on or through, any third-party site. You should contact the site administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not responsible therein. We encourage all Users to review said privacy policies of third-parties’ sites.

Cookies
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, and language preferences. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while visiting the Site, and to recognize your device to allow your use of our online products. We also gather statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements, to understand how customers use the Site and to assist us with resolving questions regarding the Site. We may also use cookies in online advertising to monitor websites in order to select which of our advertisements or offers are most likely to appeal to you, display them to you and monitor your responses.

You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive advertising or other offers from us that are relevant to your interests and needs.

Governing Jurisdiction of the Courts Kentucky
Our website is operated and provided in the State of Kentucky. As such, we are subject to the laws of the State Kentucky, and such laws will govern this Terms of Use, without giving effect to any choice of law rules. We make no representation that our website or other services are appropriate, legal or available for use in other locations. Accordingly, if you choose to access our site you agree to do so subject to the internal laws of the State Kentucky.

Compliance with Laws
User assumes all knowledge of applicable law and is responsible for compliance with any such laws. User may not use the Service in any way that violates applicable state, federal, or international laws, regulations or other government requirements. User further agrees not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law or regulation.

Copyright and Trademark Information
All content included or available on this site, including site design, text, graphics, interfaces, and the selection and arrangements thereof is FirstStateFinancial.net with all rights reserved, or is the property of First State Financial and/or third parties protected by intellectual property rights. Any use of materials on the website, including reproduction for purposes other than those noted above, modification, distribution, or replication, any form of data extraction or data mining, or other commercial exploitation of any kind, without prior written permission of an authorized officer of First State Financial is strictly prohibited. Users agree that they will not use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of First State Financial.

First State Financial™ and FirstStateFinancial.net™ are proprietary marks of FirstStateFinancial.net. First State Financial’s trademarks may not be used in connection with any product or service that is not provided by First State Financial, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits First State Financial.

All other trademarks displayed on First State Financial’s website are the trademarks of their respective owners, and constitute neither an endorsement nor a recommendation of those Vendors. In addition, such use of trademarks or links to the web sites of Vendors is not intended to imply, directly or indirectly, that those Vendors endorse or have any affiliation with First State Financial.

Notification of Claimed Copyright Infringement
Pursuant to Section 512(c) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, FirstStateFinancial.net designates the following individual as its agent for receipt of notifications of claimed copyright infringement.

By Mail
Jesse McAfee
By Telephone: (606) 248-5950
By Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Botnets
First State Financial retains the right, at our sole discretion, to terminate any accounts involved with botnets and related activities. If any hostnames are used as command and control points for botnets, First State Financial reserves the right to direct the involved hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion.

Other Terms
If any provision of this Terms of Use Agreement shall be unlawful, void or unenforceable for any reason, the other provisions (and any partially-enforceable provision) shall not be affected thereby and shall remain valid and enforceable to the maximum possible extent. You agree that this Terms of Use Agreement and any other agreements referenced herein may be assigned by First State Financial, in our sole discretion, to a third party in the event of a merger or acquisition. This Terms of Use Agreement shall apply in addition to, and shall not be superseded by, any other written agreement between us in relation to your participation as a User. User agrees that by accepting this Terms of Use Agreement, User is consenting to the use and disclosure of their personally identifiable information and other practices described in our Privacy Policy Statement.

13. You warrant and agree that You are not using this Website or acquiring any Information for the purpose of export or transfer of Information to any country or location controlled, sanctioned or banned by the United States government, including, but not limited to those countries listed by the US Dept of the Treasury at http://www.treas.gov/. You shall strictly observe and comply with all applicable national, international, federal, state, and local laws and regulations that may govern the use of this Website as well as the handling, publication, printing, transfer, or dissemination of the Information. Furthur, any and all tariffs, taxes, or charges resulting from such handling, publication, printing, transfer, or publication of the Information are Your sole and exclusive responsibility, and First State Financial assumes and has no liability or responsibility in connection therewith.

blank