Terms & Conditions

By accessing, browsing, or using the Family First Mutual website, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the website. If you are using our website on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms.

You may use our website for lawful purposes only. You agree not to use the website in any way that could damage, disable, overburden, or impair the website or interfere with any other party's use of the website. You may not attempt to gain unauthorized access to any portion of the website, other accounts, computer systems, or networks connected to the website through hacking, password mining, or any other means.

We reserve the right to terminate or restrict your access to the website for any reason at our sole discretion, including for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Our website and services are intended for users who are at least 18 years old and residents of the United States. By using our website, you represent and warrant that you are of legal age to form a binding contract and meet all eligibility requirements. If you do not meet these requirements, you may not use the website or submit personal information through our forms.

All content on the Family First Mutual website, including text, graphics, logos, images, icons, audio, video, software, and the overall design and layout, is the property of Family First Mutual LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from the website for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written consent.

The Family First Mutual website and its contents are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Family First Mutual LLC is not a law firm, lender, credit repair organization, or debt settlement company. We do not provide legal, tax, accounting, investment, or financial advice. Information on this website is for educational and informational purposes only and should not be relied upon as a substitute for professional advice tailored to your specific situation.

We connect consumers with independent legal, financial, and lending professionals who may provide their own services and disclosures. Any decisions you make based on information from this website or from professionals in our network are made at your own risk.

When using our website or submitting information, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of any account credentials you create and for all activities that occur under your account.

You agree not to:

• Submit false, misleading, or fraudulent information
• Impersonate any person or misrepresent your affiliation with any entity
• Use the website to send spam, solicitations, or unsolicited communications
• Engage in any activity that violates applicable law or regulations

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by Family First Mutual LLC. We are not responsible for the content, privacy practices, terms, or availability of any third-party websites or services. Your interactions with third parties are solely between you and the third party, and you should review their terms and policies before using them.

To the fullest extent permitted by law, Family First Mutual LLC and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or business interruption, arising out of or relating to your use of the website or our services, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all claims arising out of or relating to these Terms or your use of the website exceed the amount you paid, if any, to us during the twelve months preceding the event giving rise to liability.

You agree to indemnify, defend, and hold harmless Family First Mutual LLC and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or relating to your use of the website, your violation of these Terms, or your violation of any rights of another person or entity.

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms or your use of the website shall be brought exclusively in the state or federal courts located in Nevada, and you consent to the jurisdiction of such courts.

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the website, you consent to the collection and use of your information as described in the Privacy Policy.