Terms of Use

Minnesota First Credit and Savings, Inc. (“Minnesota First” or “We”) provides this web site (the “Site”), and the services offered through the Site (the “Services”), subject to the following terms and conditions:

We reserve the right to change or terminate the Services, this Site, and the Terms of this Use at any time without notice. We further reserve the right to terminate your access to our Site, in whole or in part, at any time, with or without notice.

By using our Site, you agree that nothing contained in the Site is a guarantee of any loan, financing, account, or specific interest rate. Minnesota First retains the sole discretion for determining eligibility for its loans, products and services.

We are not responsible for any computer system failure or error that impacts the functionality of our Site.

While we try to update our Site regularly, we make no guarantees about the accuracy of its content. We will also not be responsible for any damages or injuries caused by the use of our Site.

The services offered by this Site, and the information contained in this Site are protected under U.S. copyright laws, and are owned and controlled by Minnesota First. By using this Site, we grant you a nontransferable, revocable license to use the Site for your personal use only. You many not transfer, assign, or sublicense any of the information contained herein without the prior written consent of Minnesota First.

Minnesota First will rely upon information submitted through this Site in determining whether to offer products or services or extend credit to the submitting party.

These Terms of Use constitute a contract between the user and Minnesota First. This contract and the services offered through this site are governed by the laws of the State of Minnesota without regard to any choice of law principle that would dictate the application of the law of another jurisdiction. The user consents to the jurisdiction of the State of Minnesota for all matters relating to the Site or the Services or any lending relationship arising there from.

SMS Text Message Terms of Use

  1.  Your wireless carrier’s standard messaging rates apply to SMS correspondence. Minnesota First does not charge for any content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your Wireless Carrier.

  2. You represent that you are the owner, or authorized user of the wireless device you use to receive the service, and that you are authorized to approve the applicable charges.

  3. We will send you a message only once, and only with your explicit agreement as indicated by your continuation of the process flow.

  4. We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE basis.

  5. Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier’s name, and the date, time, and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop, and improve the service. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the service, you agree to provide accurate, complete, and true information.

  6. The service as well as the content and materials received through the service are proprietary to us and our licensors, and is for your personal, non-commercial use only. You shall not damage, impair, interfere with, or disrupt the service or its functionality.

  7. The service is not available for international phone numbers.

  8. We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate the service to you if we believe you are in breach of our terms and conditions. Your service is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the service at any time.

  9. If you have any questions, call our Customer Service Center. You can also text the word HELP to 844-299-6915 to get additional information about the service. If you receive a message from us unexpectedly, you can text the word STOP to 844-299-6915. We do not charge for help or info messages; however, your normal carrier rates apply.
Privacy Preferences
When you visit our website, it may store information through your browser from specific services, usually in form of cookies. Here you can change your privacy preferences. Please note that blocking some types of cookies may impact your experience on our website and the services we offer.

NOTICE

The hyperlinks to other Internet sites are provided solely as a convenience to users of our Internet site. We have made a limited effort to determine that these links function properly. However, linked sites are not under our control, and we are not responsible for the contents of any linked site, or any link contained in a linked site. The inclusion of a link does not imply or constitute our endorsement, its ownership or management, the products or services it offers, or any advertisers or sponsors appearing on the linked web site.

Do you wish to continue?

NOTICE

The hyperlinks to other Internet sites are provided solely as a convenience to users of our Internet site. We have made a limited effort to determine that these links function properly. However, linked sites are not under our control, and we are not responsible for the contents of any linked site, or any link contained in a linked site. The inclusion of a link does not imply or constitute our endorsement, its ownership or management, the products or services it offers, or any advertisers or sponsors appearing on the linked web site.

Do you wish to continue?

NOTICE

The hyperlinks to other Internet sites are provided solely as a convenience to users of our Internet site. We have made a limited effort to determine that these links function properly. However, linked sites are not under our control, and we are not responsible for the contents of any linked site, or any link contained in a linked site. The inclusion of a link does not imply or constitute our endorsement, its ownership or management, the products or services it offers, or any advertisers or sponsors appearing on the linked web site.

Do you wish to continue?