Terms and Conditions

The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at account.penncredit.com (this “Website”). This Website is intended for registered users only. By accessing, viewing, or using any of the content, material, or services available on or through this Website, you indicate that you have read and understood these Terms and Conditions and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not authorized to use this website and must leave immediately. These Terms and Conditions may be changed at any time. Any new or altered Terms and Conditions will be published on the website for at least 60 days after they are updated, along with information about where to find them. Users who visit the website prior to the change are responsible to become cognizant of any modifications to the Terms and Conditions since their last visit. Any modification to these terms and conditions shall apply to all users of the website who have used the website antecedent to the modification. This website was created exclusively with the intention of disseminating information from First Credit Services Inc., its affiliates, and allied entities (collectively hereinafter, (FCS). Without limiting the generality of anything else, FCS makes no guarantee and disclaims any duty to update this Website or any information accessed through this Website, and it is not liable for any errors or omissions therein. FCS retains the right, with or without prior notice, to amend or eliminate any information from this website.
Informational Purposes Only:
The content on this website is provided solely for informational purposes, and FCS makes no claims as to its accuracy, completeness, or timeliness. Any information, services, or materials provided by or via this website should not be interpreted as, and should not be relied upon as, financial, investment, legal, tax, or accounting advice of any sort.
Copyright and Other Proprietary Information:

First Credit Services Inc. reserves all rights to the website’s text, graphics, design, arrangement, and selection. All rights reserved. FCS also owns a copyright on the Website as a collective work and/or compilation. The only permitted use of items downloaded and printed from this website is for personal, non-commercial viewing, reading, and retaining for future reference. Without the express prior written permission of FCS, it is strictly forbidden to make any other copies, distribute them, modify them, or create derivative works based on them, or to frame, capture, harvest, or collect any of the materials on this website, whether in electronic or hard copy form. Any copyright notices or other property notices on the materials of the Website must not be removed or altered.

Every name, trademark, service mark, graphic, slogan, and logo used on the website are the property of FCS or its licensors. Without FCS’s prior written consent, it is expressly forbidden to use or otherwise misappropriate these trademarks, which is also against the law both under federal and state trademark laws. Without FCS’s prior written consent, you are not allowed to use any names, trademarks, service marks, symbols, slogans, or logos that appear on the website in connection with any goods or services that are not FCS’s, in any way that could confuse customers about the company’s sponsorship or source, or in any way that disparages, tarnishes, dilutes, or otherwise negatively impacts FCS.

FCS welcomes your feedback and suggestions about how to improve our products, information, services, and this Website. By transmitting any suggestions, information, data, material, or other content (collectively, “Submissions”) to FCS, you automatically grant FCS the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) throughout the universe and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Furthermore, FCS is free to use any concepts, ideas, approaches, know-how, procedures, and processes contained in any communications you send to this website for any reason, including without limitation creating and marketing products, information, or services premised on such information.

Disclaimers of Warranty and Liability:

This Website, the materials on and in and made available through this Website, and the services, information, and products offered by FCS in connection therewith are made available “as is” and “with all faults.” Use of this Website is entirely at your own risk.

FCS makes no representations or warranties and disclaims all representations and warranties, with respect to this Website, the Website materials on and in and made available through this Website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, WITHOUT LIMITATION, the implied warranties of merchantability, fitness for a particular purpose, accuracy, COMPLETENESS, non-interference, quality, title, and non-infringement. The entire risk as to the satisfactory quality, performance, accuracy, and effort with regard to any and all materials on and in and made available through this Website is with you.

FCS shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatsoever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this Website, the materials on and in and made available through this Website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will the total liability of FCS to you or any other person or entity in connection with, based upon, or arising from this Website, the materials on and in and made available through this Website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this Website. Some jurisdictions do not permit the exclusion or limitation of liability for consequential or incidental damages, and, as such, some portion of the above limitation may not apply to you. In such jurisdictions, FCS’s liability is capped as much as the law will allow.

You agree to defend indemnify, and hold harmless FCS and all of its respective owners, directors, officers, employees, representatives, proprietors, partners, shareholders, contractors, consultants, principles, agents, predecessors, successors, assigns, accountants, and attorneys from and against any and all suits, actions, claims, proceedings, damages, settlements, judgments, injuries, liabilities, obligations, losses, risks, costs and expenses (including, without limitation, attorneys’ fees and litigation expenses) relating to or arising from this Website, and the materials and information contained therein, your fraud, Violation of law, or willful misconduct, and any breach by you of these Terms and Conditions.
Use of the Internet and Third-Party Materials:
Without limiting the scope of the aforementioned, FCS has no control over any other websites that may be listed or linked on this website. Consequently, FCS cannot represent to you the information included on these websites, nor can the fact that FCS has provided you with this directory be interpreted as FCS endorsing any particular website. FCS is providing links to these sites as a convenience to you. FCS cannot guarantee the quality, safety, or compatibility of any software found on these sites because it has not evaluated any of the potential software that could be accessible there. Any software you find online has inherent risks that you should be aware of before downloading it. FCS advises you to do this before installing any software from the internet. Any information, data, goods, services, or software provided by a third party or at any other website is not the responsibility of FCS. FCS does not control, endorse, promote, or have any affiliation with any other website unless expressly stated herein.
Governing Law and Jurisdiction:
These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and FCS with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.
By accessing, viewing, or using the works, content, or materials on this Website, you consent to the exclusive jurisdiction of the federal and state courts presiding in Philadelphia County, Pennsylvania, and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This Website is controlled and operated by FCS from its offices within the United States. Without limiting anything else, FCS makes no representation that the works, content, materials, services, information, or products available on, in, or through the Website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. The decision to visit this website from other locations is made at the user’s own risk, and they are in charge of adhering to all local regulations. Any right granted hereunder that FCS waives or fails to exercise in any respect is not deemed waived in the future or a waiver of any other rights outlined in these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). In addition to any other legal or equitable remedies, FCS maintains the right to suspend or terminate your use of this Website if you breach these Terms and Conditions or for any other reason at all, with or without notice.
Contacting the Website
If you have any questions about this privacy statement, the practices of this site, or your dealings with this site, you can contact us as follows:

First Credit Services, Inc.
9 Wills Way
Piscataway, NJ 08854