Background Image

TERMS AND CONDITIONS

Reviewed and updated August 20, 2018

The Websites that are located at the domain name 1stNotice.com and associated or mobile applications available for download (the “Websites”) are operated by 1st Notice, Inc.

These Websites' Terms and Conditions (“Agreement” or “Terms and Conditions”) govern access to and use of the Websites including members and clients and apply to all services and subsites available under the domain name 1stNotice.com, as well as all text, audio, video, images, graphics, materials, online communications and other information and content that are or become available on the Websites (collectively, the “Information”).

By using the Websites, you (“you” or “User”) signify your acceptance of these Terms and Conditions and your acknowledgement that the information that you provide, directly or indirectly, through the Websites will be managed in accordance with the 1st Notice Privacy Policy.

If you do not accept these Terms and Conditions you are not authorized to access or use the Websites.

Notifications, Feedback and Suggestions. 1st Notice encourages, welcomes and takes notifications, feedback and suggestions seriously. In order to eliminate communication barriers and exceed all effective compliance and ethics program requirements, 1st Notice maintains a 1st Notice Optimum Connect account: Notifications, feedback and suggestions may be easily submitted, and monitored, at any time online including from mobile devices. The associated One Connect dashboard is accessible, simple, quick, secure and continually improved. All submissions are immediately confirmed and automatically duplicated on secure third party servers from which they cannot be altered or deleted. Unless submitters choose to identify themselves, they are assured of absolute confidentiality. Their identity is cloaked in the original submission as well as in confidential messaging that they may initiate or respond to. Proprietary data management practices and the highest levels of cyber and physical security preclude hacking.

1st Notice provides these applications, so notifications, feedback and suggestions can be submitted – when how, and want you want. They will be acknowledged, and any dissatisfaction addressed as quickly, openly and fairly as possible. In exchange you are required to use the Connect applications to fully attempt to resolve any dissatisfaction before posting negative reviews on any other platforms. Any negative postings on rant sites will likely result in serious civil actions and 1st Notice reserves the right to pursue penalties and other remedies to the fullest extent of the law to protect our rights.

Solicitation or Offer. The Websites are designed to primarily provide general information about 1st Notice and its products and services. Any product or service described on the Websites may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult a Services Specialist and/or your dashboard; clients may consult with their Account Development contact. Your eligibility for any particular product or service is subject to final determination by 1st Notice. 1st Notice may offer general information about associated law, but does not provide legal advice.

Cyber Guard. YOU UNDERSTAND THAT BY ACCEPTING THESE TERMS AND CONDITIONS YOU ARE PROVIDING “WRITTEN INSTRUCTIONS” TO CSIDENTITY CORPORATION AND ITS EMPLOYEES, AGENTS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, THIRD PARTY DATA AND SERVICE PROVIDERS, AND ALL OTHER CREDIT REPORTING AGENCIES UNDER THE FAIR CREDIT REPORTING ACT (FCRA), AS AMENDED, INCLUDING EXPERIAN, TRANSUNION, EQUIFAX AND AFFILIATED ENTITIES, TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE INFORMATION ABOUT YOU WITH EACH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND TO PROVIDE THE SERVICES TO YOU. YOU AGREE AND HEREBY AUTHORIZE CSIDENTITY CORPORATION TO PROVIDE YOUR PERSONALLY IDENTIFIABLE INFORMATION (OR, IF APPLICABLE, INFORMATION ABOUT ANY MINOR CHILDREN YOU HAVE ENROLLED) TO THIRD PARTIES AS PROVIDED IN OUR PRIVACY POLICY, AS MAY BE AMENDED FROM TIME TO TIME, IN ORDER TO PROVIDE THE SERVICES TO YOU (AND TO THOSE CHILDREN YOU HAVE ENROLLED). YOU FURTHER AUTHORIZE CSIDENTITY CORPORATION TO OBTAIN INFORMATION AND REPORTS ABOUT YOU (OR ABOUT ANY CHILDREN YOU HAVE ENROLLED, IF APPLICABLE) IN ORDER TO PROVIDE THE SERVICES, INCLUDING, BUT NOT LIMITED TO, CREDIT MONITORING SERVICES, CREDIT REPORTING, IDENTITY MONITORING, FRAUD RESOLUTION SERVICES, RESTORATION SERVICES, ADDRESS HISTORY REPORTS, NAME AND ALIAS REPORTS, CRIMINAL REPORTS OR SEX OFFENDER REPORTS, AND TO PROVIDE MONITORING AND ALERTS.

While enrolling for the services, we will ask you for the following types of information: contact information (such as name, address, telephone number, and e-mail address); sensitive information (such as date of birth, driver’s license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our services, and to fulfill our obligation to provide our services to you, including communicating with third parties as necessary to provide such services, such as identification verification companies, consumer reporting agencies, credit bureaus, payment validation companies, law enforcement agencies, or others.

You agree that you will use the services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. 1st NOTICE AND CSIDENTITY CORPORATION AND ITS DATA PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES AND DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES WITH RESPECT THERETO. WITHOUT LIMITING THE FOREGOING, CSIDENTITY CORPORATION AND ITS DATA PROVIDERS DO NOT GUARANTEE OR WARRANT THE ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE OF THE SERVICES AND SHALL NOT BE LIABLE FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY USE OF THE SERVICES OR THE DATA THEREIN.

You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.

Privacy. 1st Notice adheres to all applicable laws regarding the privacy of information submitted by Users of this Site. To receive information about the privacy policy applicable to the Websites, please visit our Privacy Policy. This Policy, incorporated herein by reference, explains what information 1st Notice may collect or gather from you on or through the Websites and how we will use and protect your information. 1st Notice may use data collected from the sites, including history data or cookies in accordance with the Privacy Policy. Although the Websites contain links to other Websites, 1st Notice is not responsible for the privacy practices employed by other Websites. In addition, unless stated otherwise, 1st Notice cannot guarantee the security of any data that is submitted by email.

User Eligibility. The Websites should only be accessed and used by individuals who agree to be bound by these Terms and Conditions and who are at least 18 years of age. The Websites may be accessible worldwide; however, the Websites are intended for use only in the Unites States and by U.S. military and government employees worldwide. If you access/use the Websites from outside the United States or from other than U.S. government systems, you do so at your own risk and are responsible for complying with the laws and regulations of the territory from which you access/use the Websites. 1st Notice makes no representation that materials on the Websites are appropriate or available for use in locations outside of the United States other than by U.S. military and government employees, and accessing them from territories where their contents are illegal is prohibited.

Changes to Terms and Conditions. 1st Notice reserves the right, in its sole discretion, to revise, change, or modify these Terms and Conditions at any time. We will incorporate all material changes to these Terms and Conditions on this page. Notice of any change may be given in any manner we choose that complies with law, including, but not limited to posting a notice of such changes on the Websites. We encourage you to review this page periodically for the most recent version of these Terms and Conditions. Any use by a User of the Websites following notice of such changes shall be deemed to constitute acceptance by that User of those changes to the Terms and Conditions.

Copyright. All rights reserved. The material and images contained on the Websites are protected by copyright and are owned by 1st Notice unless otherwise indicated. No material from the Sites may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.

Trademarks. The trademarks, service marks and logos used and displayed on the Sites are registered and unregistered trademarks of 1st Notice, unless otherwise noted. Nothing on the Sites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on the Sites.

Ownership and License. The Websites and the information, computer code, and related functionality appearing, featured or otherwise displayed on the Websites are owned by 1st Notice, and respective licensors or other third parties and protected under the copyright, trademark and other laws of the United States and other countries and international treaty provisions. We grant to you a limited, non-exclusive, non-transferable license to use the Websites in strict accordance with these Terms and Conditions and the instructions provided by us on the Websites. The materials provided on the Websites, including, without limitation, the Information, computer code, and related functionality, are for member’s and client’s use only. Except as may be explicitly permitted through the Websites, you may not copy, modify, upload, republish, distribute, display, post, license, create derivative works from, or transmit anything you obtain from the Websites, including anything you download from the Websites, unless you first obtain our written consent. Any rights not expressly granted herein are reserved to 1st Notice. You may not remove, obscure, or otherwise deface proprietary notices appearing on the Websites, or any content or Information. Any unauthorized use of the Websites or its contents may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.

Restrictions on Use. As a condition of your use of the Websites, you warrant to 1st Notice you will not use the Websites for any purpose that is unlawful or prohibited by these terms, conditions and notices. You may not use the Websites in any way that could damage, disable, overburden or impair the Websites or interfere with any other party’s use and edification of the Websites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the 1st Notice Websites. This includes without limitation the following activities: Provide false or misleading registration information, disclose your username or password to anyone else, or use an account or member, username, password, or personal information of another user; Harvest or collect information about any users of the Websites; Transmit or facilitate the transmission of any “junk mail,” “chain letters,” or unsolicited mass mailing or “spamming” in connection with the Websites; Use any robot, spider, site search/retrieval application or automatic device to retrieve, index “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Websites or any content or Information of the Websites; Modify the Information, content, programs or other materials on the Websites or hack into or access the 1st Notice servers or Websites in an unauthorized manner; Frame or mirror any part of the Websites, without the express permission of 1st Notice; Reverse engineer, decompile, disassemble, translate or otherwise alter any portion of the Websites; Upload or input to the Websites any information that contains viruses, Trojan horses, worms, time bombs, or other computer programming routines that are intended to damage, interfere with, intercept, or expropriate any portion or system of the Websites.

You agree that your use of the Websites may be suspended or terminated immediately upon receipt of any notice which alleges that you have used the Websites in violation of these Terms and Conditions and/or for any purpose that violates any local, state, federal or law of the United States or other jurisdictions, including, but not limited to, the posting of information that may violate third party rights, may defame a third party, may be obscene or pornographic, may harass or assault others, or may violate any laws, rules or regulations, including, hacking or other criminal regulations.

You understand that actions in violation of these Terms and Conditions may subject you to serious civil and criminal legal penalties and 1st Notice reserves the right to pursue penalties and other remedies to the fullest extent of the law to protect our rights.

Trademarks / Third-Party Content. 1st Notice may display and distribute content and Information supplied by third parties on the Websites. 1st Notice does not guarantee the accuracy, completeness or usefulness of, or endorse, any content or Information of any third party. Any opinions, advice, statement, services, offers or other content or Information expressed or made available by third parties, including, without limitation, information providers or any other user of the Websites, are those of the respective author(s) or distributor, and not 1st Notice. All trademarks, service marks, trade names, logos, trade dress, icons and domain names located on the Websites are the property of 1st Notice, respective licensors or other third parties. Nothing contained on the Websites should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, trade dress, icon and domain name displayed on the Websites, without the written permission of 1st Notice or the applicable third party that may own the marks or names displayed on the Websites. Your use of the trademarks, service marks, trade names, trade dress, logos, icons and domain names displayed on the Websites, or any other content or Information on the Websites, except as provided herein, is strictly prohibited.

Passwords and Security. Certain aspects of the Websites may require registration. You agree that if you are issued a username and password in connection with access to or use of any of the Websites applications, you are responsible for keeping such information secret and strictly confidential. You accept responsibility for all activities that occur under your username and/or password, including, without limitation, all communications, submissions or financial obligations. You are responsible for changing your password if you believe that your password or user name has been lost, stolen or might otherwise by misused. You agree to notify us immediately of any unauthorized use of your username or password or if any other breach of security is suspected by you.

External Links.The Websites may provide links to other Websites or resources which are not maintained or controlled by 1st Notice (collectively “Linked Sites”). 1st Notice is neither responsible for, nor aware of, the content of those Linked Sites. The inclusion of any hyperlinks to Linked Sites does not imply approval of or endorsement by 1st Notice of those Linked Sites, or content, products and services offered on those Linked Sites. 1st Notice expressly disclaims any responsibility for the content, copyright compliance, accuracy of the information and/or the quality of the goods or services provided by or advertised on any Linked Sites, and in no event shall 1st Notice be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods or services available on any Linked Sites. Any concerns regarding any Linked Sites should be directed to that respective web site, rather than to 1st Notice or the Websites. You are cautioned to read the Terms and Conditions and privacy polices provided on any Linked Site before using the Linked Site.

Disclaimer of Warranties. 1st NOTICE MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE WEBSITES, THE SUITABILITY OF THE INFORMATION CONTAINED ON OR RECEIVED THROUGH THE WEBSITES, OR ANY SERVICES OR PRODUCTS RECEIVED THROUGH THE WEBSITES. ALL INFORMATION AND USE OF THE WEBSITES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. 1st NOTICE HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES WITH REGARD TO THE WEBSITES, THE INFORMATION CONTAINED ON OR RECEIVED THROUGH USE OF THE WEBSITES AND ANY SERVICES OR PRODUCTS RECEIVED THROUGH THE WEBSITES, INCLUDING ALL EXPRESS, STATUTORY AND IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. 1st NOTICE DOES NOT WARRANT THAT THE CONTENTS OR ANY INFORMATION RECEIVED THROUGH THE WEBSITES ARE ACCURATE, RELIABLE OR CORRECT; THAT THE WEBSITES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENTS OR ANY INFORMATION RECEIVED THROUGH THE WEBSITES ARE FREE OF VIRUSES OR OTHER DESTRUCTIVE OR HARMFUL COMPONENTS. YOUR USE OF THE WEBSITES IS SOLELY AT YOUR OWN RISK.

USER EXPRESSLY AGREES THAT IT HAS RELIED ON NO WARRANTIES, REPRESENTATIONS OR STATEMENTS OTHER THAN IN THIS AGREEMENT. SHOULD USER PURCHASE A 1st NOTICE PRODUCT FROM 1st NOTICE OR A THIRD PARTY, THE TERMS AND CONDITIONS OF SALE APPLICABLE TO THAT TRANSACTION WILL GOVERN SUCH PURCHASE AND USE OF THE WEBSITES DOES NOT AFFECT THAT PURCHASE IN ANY MANNER. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THE EXCLUSIONS MAY NOT APPLY TO YOU BUT SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW OF YOUR JURISDICTION.

Limitation of Liability. UNDER NO CIRCUMSTANCES SHALL 1st NOTICE BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR LOST PROFITS THAT RESULT FROM, OR ARISE OUT OF OR IN CONNECTION WITH THE USE OF, OR INABILITY TO USE THE WEBSITES, THE INFORMATION CONTAINED ON OR RECEIVED THROUGH USE OF THE WEBSITES, OR ANY SERVICES OR PRODUCTS RECEIVED THROUGH THE WEBSITES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF 1st NOTICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, 1st NOTICE’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY THE LAW OF YOUR JURISDICTION.

Indemnification. You agree to defend, indemnify and hold harmless 1st Notice and all of respective directors, officers, employees, representatives, account development associates, proprietors, partners, shareholders, principals, agents, predecessors, successors and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses (including attorney’s fees and litigation expenses) relating to or arising from your use of the Websites, any breach by you of these Terms and Conditions, your negligent or intentional acts, errors or omissions in regard to the subject matter of these Terms and Conditions, or your failure to comply with applicable laws in your use of the Websites.

Submissions. We do not accept or consider creative suggestions, ideas or other materials other than via member and client dashboards or those 1st Notice has specifically requested. If, despite our request that you not send us any creative materials otherwise, you send us comments, suggestions, ideas, concepts, drawings, pictures or other materials (collectively, the “Submissions”), the Submissions shall be deemed, and shall remain, the property of 1st Notice. None of the Submissions shall be subject to any obligation of confidentiality on the part of 1st Notice, and 1st Notice shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, 1st Notice shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature through the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, in any form of media, now known or hereafter created or perfected, without compensation or attribution to the provider of the Submissions.

Changes to Websites. 1st Notice shall have the right at any time to change or discontinue any aspect or feature of the Websites, including, but not limited to, content, hours of availability and equipment and/or software required for access or use of the Websites or any portion of the Websites.

Termination. We reserve the right to terminate a User’s use of the Websites at any time without notice. Without limiting the foregoing, we shall have the right to immediately terminate these Terms and Conditions with any User without notice or to terminate or suspend access by that User to the Websites or cancel any orders, if applicable, placed by that User if, in 1st Notice’s sole discretion, the User breaches any term or provision of these Terms and Conditions or fails to comply with any instructions posted on the Websites. The provisions of the following Sections shall survive termination or expiration of this Agreement: External Links, Disclaimer of Warranties, Limitation of Liability, Indemnification, Choice of Law and Forum, Termination, and Software Licenses.

Monitoring. The Websites generally do not pre-screen, monitor or edit the content posted by Users of the Websites. 1st Notice and its agents and representatives have the right, at their sole discretion, but no obligation, to monitor the use and content of the Websites and reserve the right to edit, refuse to post or remove any content or Information that, in 1st Notice’s sole judgment, does not comply with these Terms and Conditions or is otherwise objectionable.

Software License(s). Any software that is made available to download from the Websites (“Software”) is owned or licensed by 1st Notice and/or its suppliers and is subject to United States and international copyright, trade secret, trademark and other laws protecting intellectual property. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software, unless acceptance of a different license agreement is required prior to downloading the Software (the “License Agreement”). The Software is made available for downloading solely for use by end users according to the License Agreement. Any reproduction or redistribution of the Software not in accordance with the License Agreement is expressly prohibited and may result in civil and criminal penalties.

Without limiting the foregoing, copying or reproduction of the Software to any other server or location for further reproduction is expressly prohibited. The Software is warranted, if at all, only in accordance with the terms of the License Agreement. EXCEPT AS WARRANTED IN THE APPLICABLE LICENSE AGREEMENT FOR THAT SOFTWARE, 1st NOTICE HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT. You acknowledge that any Software available or provided to you on the Websites may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States or re-export such Software outside the United States in violation of United States export laws and regulations. 1st Notice does not authorize the downloading or exportation of any software or technical data from the Websites to any jurisdiction prohibited by the United States export control laws and regulations.

Choice of Law and Forum. The Websites are controlled by 1st Notice from its offices within the Commonwealth of Pennsylvania, United States. To the fullest extent permitted by applicable law, these Terms and Conditions and any actions or claims arising out of or in relation to these Terms and Conditions or the use of the Websites will be governed by and construed in accordance with the statutes and laws of the Commonwealth of Pennsylvania, without regard to its conflicts of laws principles. Except where prohibited by law, any claim or dispute shall be subject to the sole and exclusive of the federal and Commonwealth courts in Lancaster County, Pennsylvania, and you hereby consent to the personal jurisdiction of those courts and waive any and all jurisdictional and venue defenses otherwise available. Any legal proceedings shall be conducted in English.

If you have any questions please contact us via your dashboard, email AskUs@1stNotice.com or call 1.215.278.6800.