Terms of Use

Terms of Use

Effective as of April 11, 2022.

PLEASE READ THESE TERMS OF USE (the “Agreement”) CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE.

First Federal Bank of Kansas City, and its affiliates, successors, and assigns (referred to herein as “First Federal Bank”, “we”, “us”, and/or “our”; the terms “we”, “us”, and/or “our” may also refer to service providers engaged by us to support our business activities, as the context may require) own, operate, and control this website and the pages thereof (collectively, the “Website”) in order to provide information about and/or to deliver products and services offered by First Federal Bank and for other business purposes. We require all users and viewers of our Website to agree to the terms of this Agreement as a condition to accessing or using our Website.

BY ACCESSING THIS WEBSITE, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS WEBSITE. WE MAY MODIFY THIS AGREEMENT AT ANY TIME, AND FROM TIME TO TIME, IN OUR SOLE DISCRETION WITHOUT NOTICE TO YOU. YOU SHOULD PERIODICALLY REVIEW THIS AGREEMENT CAREFULLY IN ORDER TO MAKE SURE THAT YOU ARE AWARE OF THE MOST CURRENT AGREEMENT FOR THE USE OF OUR WEBSITE. ANY USE OR VIEWING OF OUR WEBSITE BY YOU AFTER ANY CHANGE TO THIS AGREEMENT, WHETHER OR NOT YOU HAVE REVIEWED THE AMENDED AGREEMENT, CONSTITUTES YOUR ACCEPTANCE OF THE AGREEMENT AS CHANGED.

Privacy and Security

Protecting your privacy is important to us. To find out how we use and protect your personal and non-personal information, please review our Privacy & Security Statement which is incorporated into this Agreement as if fully set forth herein.

Your individual access and use of our Website may be monitored and recorded for our internal business purposes, without liability. You acknowledge and agree that when you submit any information to us through our Website, such information may be disclosed and transferred by us and our respective agents and service providers, subject to the provisions of applicable law. You further agree that we may disclose any information you submit (i) if we have a right or duty to do so, (ii) if we are compelled or permitted by law to do so, (iii) as directed by you, and/or (iv) as necessary to provide you with products or services you have requested. Any information, feedback, questions, concepts, comments, suggestions, ideas or the like which you send to us by or through our Website, or at any email address we have provided at our Website, will be treated as being nonconfidential and nonproprietary as to you, and we will be free to use the same or any information contained therein for any purpose whatsoever (including, without limitation, for the purposes of developing and marketing products and services) without paying any compensation to you, and the same shall be deemed our property upon receipt. Nothing herein shall be construed as limiting the responsibilities and obligations as set forth in our Privacy & Security Statement.

If you have an account or plan to open an account with First Federal Bank, you agree to provide us with current, complete, and accurate information about you as prompted by the applicable registration process. You further agree to regularly update this information to maintain its completeness and accuracy. You agree to use this Website to access only those accounts on which you are authorized to act, and to use your own credentials when accessing accounts on which you are authorized to act. You are solely responsible for all activities that occur in connection with your credentials. If you become aware of any suspicious or unauthorized conduct concerning your accounts or credentials, you agree to contact us immediately. You are responsible for protecting the security of any credentials you use in connection with our Website and the security and integrity of any materials you download from our Website.

We take commercially reasonable measures to protect the security of information electronically transmitted to us, however, we advise you to exercise caution when communicating with us via a messaging application within our Website or by sending us email, as such transmissions may not be secure. For example, email may be intercepted by a third party or may not be immediately received by the designated person or department. Please do not use email to send us confidential or privileged information (such as account numbers or financial information), information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means. We will not be liable to you for any losses or damages incurred as a result of the interception or unauthorized use by any third party of any information transmitted by you via insecure email or as a result of your use of email for the transmission of, or our failure to respond to email that includes, information that we have required you submit through another express means or medium. If you communicate with us via email or via a messaging application within our Website, you may receive an automated response acknowledging that you have transmitted a message to us. However, the automated response does not mean that we actually have received, reviewed, or taken any action in response to your message or that we have committed to take any action in response to your message. You are welcome to contact us directly by telephone during our business hours at 816.241.7800.

Website Use and Accessibility

You agree not to use our Website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, obscene, or that infringes the rights of others. You also agree that your use of our Website is personal to you and that you will not resell or assign use of our Website or make any unauthorized commercial use of our Website. You agree that we may display advertisements and promotions of all kinds on the Website. You agree not to use or attempt to use this Website or any part of this Website in any way or for any purpose that (i) attempts to probe, scan, or test the vulnerability of any services, systems, networks, servers, or accounts related to the Website, (ii) attempts to gain unauthorized access to materials, services, systems, networks, servers, or accounts connected or associated with the Website through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication, or security device of the Website, (iii) attempts to redeliver, reproduce, or circumvent any page, text, image, or materials on the Website, (iv) transmits any harmful or disabling computer codes or viruses, (v) interferes with our network services, (vi) interferes with or induces a breach of the contractual relationships between First Federal Bank and its customers or service providers, (vii) dilutes or depreciates the name and reputation of First Federal Bank, (viii) transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images, or (ix) otherwise interferes with the Website’s functionality.

With respect to your account and your online conduct, you agree to comply with all laws, rules, codes, and regulations of the United States, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, data security, and privacy.

First Federal Bank is committed to providing an online environment that is accessible to everyone, including individuals with disabilities. If you cannot access content or use the features on the Website due to a disability, please contact us by phone at 816.241.7800 or email us at firstfed@ffbkc.com. To help us address your concern most effectively, please include the URL of the problematic page on the Website, details about what you were trying to do on the Website and why it was difficult for you to do, and the operating system version and software you were using. For more information about First Federal Bank’s commitment to accessibility, please review our Website Accessibility Statement.

Our Intellectual Property

You acknowledge and agree that First Federal Bank, our licensors, and/or our service providers own all rights to this Website and the content and works of authorship displayed on the Website, including, without limitation, text, software, photos, images, audio, video and graphics (collectively, the “Site Property”). You are authorized to access, view and use the Site Property only for your own informational, noncommercial purposes, or as otherwise expressly permitted pursuant to the terms of this Agreement or pursuant to the express terms of use regarding any specific product or service available through the Website. Unless otherwise expressly authorized by us, you may not copy, download, modify, reproduce, retransmit, disseminate, display, publish, sell, broadcast, circulate, distribute, commercially exploit, or create derivative works from any Site Property in any form. You further agree not to reverse engineer or reverse compile any of our technology associated with the Site Property. You further acknowledge and agree that our names and logos and all related product and service names, design marks, tag-lines and slogans, as well as other trade and service marks appearing on the Website (collectively, the “Marks”) are the property of First Federal Bank, our licensors and/or our service providers. You are not authorized to use such Marks without our prior express written consent and/or the prior express written consent of the owner of the applicable Mark. You acknowledge that, except as expressly provided in this Agreement, we have granted you no license or rights whatsoever in or to any Site Property or Marks, and we and/or our licensors and service providers retain all rights therein. First Federal Bank reserves all rights not expressly granted in this Agreement.

Changes to this Agreement

This Agreement, as well as the information and materials contained on this Website, are subject to change. We may modify, suspend, restrict, or discontinue the operation, maintenance or provision of this Website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party. Any rights granted to you herein shall terminate immediately should you violate any provision of this Agreement. First Federal Bank, in its sole discretion, reserves the right to terminate your access to and use of the Website at any time and for any reason whatsoever without notice. First Federal Bank will not be liable to you for any termination of your access to or use of the Website. Any changes to this Agreement will become effective upon posting of the revised Agreement on the Internet, accessible through the Website. Your use of the Website following such changes constitutes your acceptance of the revised Agreement then in effect. We encourage you to periodically review the Agreement to ensure familiarity with their most current version. If you do not agree with the revisions, then you should not access or use the Website.

Third-Party Sites

It is important that you familiarize yourself with the agreement of any website that you visit before providing any information on that website. Any links from our Website to any website that is not owned, operated, controlled or maintained by us (a “Third-Party Site”) are provided strictly for convenience. If you click a link for a Third-Party Site, you will leave our Website and enter an external website owned, operated, controlled and/or maintained by a third party that is not affiliated with us and that is solely responsible for its own contractual obligations and financial condition. We (i) do not control nor are we responsible for the content, products and/or services provided by any Third-Party Site, (ii) do not endorse or guarantee the products, information, or recommendations provided by any Third-Party Site, and (iii) are not liable for any failure of the products or services advertised on or provided by any Third-Party Site or for any direct or indirect technical or system issues or any other consequences arising out of your access to or your use of Third-Party Sites. The privacy and information-sharing and security policies and procedures of Third-Party Sites are distinct from those of First Federal Bank, and a Third-Party Site may not provide the same level of security as our Website.

Social Media Community Guidelines

We are excited to be able to communicate with you in your online communities and have included guidelines in this section to help you keep your personal information safe online. Unless otherwise indicated, the views and opinions expressed on any social media site are those of the individual contributor and do not necessarily reflect our views and opinions or the views and opinions of any of our agents and service providers. Similarly, comments posted in connection with any blog posts or social media posts are the opinions of the individual who posted the comment, and not our opinions. We reserve the right to remove any posting, for any reason, without notice. Statements contained in social media sites, which are not historical facts, including statements about plans, goals and expectations regarding businesses and opportunities, new or existing business strategies, capital resources and future financial results are “forward looking” as contemplated by the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties, including, but not limited to, changes in government regulation, generally accepted accounting principles, taxation, competition, general economic conditions and geopolitical conditions. Accordingly, actual results may differ materially from those projected or implied in the forward-looking statements.

Please keep in mind that if you post to any of our social media sites, you represent that you have the right to post the content contained in your message and have obtained any necessary permission and clearance.

• Private and Confidential Information: Do not post personal, private and/or confidential information applicable to you or another person or entity through social media or non-secure email. We cannot respond to your specific account questions through social media or non-secure email. We will never ask you to provide personal information through Facebook, Twitter, blogs, non-secure email, or any type of public channel. To discuss concerns about your First Federal Bank account, please contact us by phone at 816.241.7800.
• Comments by Employees: We do not endorse any comments made by our employees, unless they are an authorized representative of us. All unofficial statements and viewpoints expressed in the comments are strictly those of the commenters alone.
• Endorsements: We are not responsible for and do not endorse any content or advertisements posted by social media sites or regarding third party sites or applications that may appear on those social media sites.
• Affiliation: While we have a brand presence on social media sites; please note that we are not affiliated with these sites. We have no control over how third parties use the information you share on these sites. Your participation in social media is at your own risk. We also recommend that you familiarize yourself with the social media privacy policies of all social media sites before using them. We will not affiliate with sites where the age requirement is below 13 to follow the guidelines of the Children’s Online Privacy Protection Rule (“COPPA”). Thus, users of our social media channels must be at least 13 years old.
• Responsibility of Security: We are not responsible for the privacy or security on social media sites and other third-party sites that may be linked to social media sites. We recommend that you review the terms of use and privacy and security policies of all third-party websites you visit.
• Validity of Links: To supplement the provisions of the Section entitled “Third-Party Sites” above, you should be aware when you click on a link on any of our social media pages, you assume the risk. You should also understand that you may be leaving the Website or leaving our social media pages when clicking on such links. You should exercise extra caution when links are posted outside of normal business hours or on third party comments. We may occasionally post links to Third-Party Sites when we think you’ll find the information helpful. However, please note that this does not in any way constitute an official endorsement of the individual, information, site or company.
• Inappropriate Content: You may not post any content that violates or infringes the rights of any person or entity or that is considered unlawful, disparaging, discriminatory, obscene, pornographic, hateful, tortious, slanderous, libelous or otherwise inappropriate. Please note that we may monitor the Website and our social media sites and remove inappropriate content when found.

Disclaimers and Limitation on Liability

You are responsible for obtaining and maintaining all services, software, and equipment necessary for you to access and use the Website. We are not responsible or liable to you for any errors or failures resulting from defects in or malfunction of your equipment, software, or services, nor are we responsible or liable to you for any virus, service malfunction, equipment failure, or related problems that may be associated with the use of an online system.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

WE MAKE NO REPRESENTATION OR WARRANTY THAT (I) THE WEBSITE WILL MEET YOUR REQUIREMENTS, (II) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE, TIMELY, COMPLETE, ADEQUATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEBSITE WILL MEET YOUR EXPECTATIONS, AND/OR (V) ANY ERRORS WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR EQUIPMENT OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY VIRUS OR OTHERWISE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU AGREE THAT WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY HARMS, INJURIES, CLAIMS, OR DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, RESULTING FROM (I) THE USE OF OR THE INABILITY TO USE THE WEBSITE, (II) THE COST OF OBTAINING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY OTHER PERSON USING OR ACCESSING OUR WEBSITE, (V) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUS OR LINE OR SYSTEM FAILURE, AND/OR (VI) ANY OTHER MATTER RELATING TO THE WEBSITE OR YOUR USE THEREOF.

EXCEPT WHEN CAUSED BY OUR INTENTIONAL MISCONDUCT OR WANTONNESS, YOU AGREE TO INDEMNIFY, PROTECT AND FULLY COMPENSATE US, OUR SERVICE PROVIDERS, AND OUR LICENSORS FROM ANY AND ALL THIRD-PARTY CLAIMS, LIABILITY, DAMAGES, EXPENSES AND COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEYS FEES) CAUSED BY OR ARISING FROM YOUR USE OF THE WEBSITE, YOUR VIOLATION OF THIS AGREEMENT OR YOUR INFRINGEMENT OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY.

Not all products and services described in our Website are available in all geographic areas, and the terms of certain products and services may vary from geographic area to area. You may not qualify for certain products and services, and we reserve the right to determine eligibility for any product or service. Products and services described, as well as fees, charges, terms and conditions relating to such products and services, are subject to change without notice. No information on our Website is intended as a legal offer or solicitation for the purchase of any security or financial instrument, product or service, and all products and services are subject to our eligibility and application requirements. First Federal Bank is not acting as an advisor or fiduciary in publishing any information on our Website. The Website is not intended to provide legal, investment, insurance, tax, or any other professional advice. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult a qualified advisor in the event you should need legal, tax, or accounting advice with respect to any specific circumstances. This Website and/or any products, services or information described or provided therein are not intended to be distributed or made available to or used by any person or entity in any jurisdiction, state or country where such distribution, availability or use would violate applicable law.

Different products, features and services available on our Website, and/or different pages or sections of our Website, may be subject to separate terms and conditions in addition to the terms of this Agreement. In the event of a conflict, such separate terms and conditions will govern and control with respect to the corresponding product, feature, service, page or section. This Agreement is not intended to affect or amend any agreement or contract between you and First Federal Bank for the provision of a particular financial product or service, and our relationship with you as to such particular financial product or service shall be governed by the written terms of the agreement or contract contemplating such financial product or service. Insurance and investment products are NOT FDIC-INSURED, are NOT A BANK DEPOSIT, NOT GUARANTEED BY THE BANK, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY and MAY LOSE VALUE.

Governing Law and Venue

This Agreement shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflicts of laws, provisions or your actual state or country of residence, and applicable federal law. For purposes of any action, suit, or proceeding arising out of this Agreement, you expressly submit to the jurisdiction of all federal and state courts located in the State of Missouri, and agree that we, in our discretion, may require that Kansas City, Missouri, be the venue for any legal proceedings arising out of or related to this Agreement. You waive and agree not to assert in any action, suit or proceeding that you are not personally subject to the jurisdiction of such courts, that the action, suit or proceeding is brought in an inconvenient forum or that venue of the action, suit or proceeding is improper. In the event that you should have any claim or cause of action against us arising out of your use of the Website, you agree that, regardless of any statute or law to the contrary, such claim or cause of action must be initiated or filed in a court of competent jurisdiction within one (1) year after accruing or be forever barred.

Miscellaneous

This Agreement constitutes the current, sole and entire agreement between you and us with respect to the use of our Website, and any and all prior terms of use with respect to the use of our Website are superseded by this Agreement. You acknowledge and agree that no practice or course of dealing between you and First Federal Bank, nor any oral representations by any First Federal Bank representative, which vary the terms and conditions of this Agreement shall constitute a modification or amendment of the terms and conditions of this Agreement. No failure by us to exercise, and no delay by us in exercising, any right or remedy shall operate as a waiver thereof. If any provision of this Agreement or the application thereof to any person or circumstances shall, to any extent, be invalid or unenforceable, such provision shall be deemed automatically reformed to the extent, and only to the extent, necessary to render it valid and enforceable under applicable law; however, if such reformation of the provision is not reasonably possible, the provision shall be deemed severed from this Agreement with respect to the person or circumstances as to which such provision shall be invalid or unenforceable, and the remainder of this Agreement shall continue in full force and effect to the fullest extent permitted by law.

Questions

If you have any questions regarding our Website or the terms of this Agreement, you may contact us by emailing us at firstfed@ffbkc.com or by calling us at 816.241.7800.