Legal Notices

The Site and all its Contents are intended solely for your personal, non-commercial use. You agree to use this Site in a prudent fashion, and agree to fully determine on your own, the usefulness of any information provided herein as you make decisions regarding its Content. You may download or copy the Contents and other downloadable materials displayed on the Site for your personal use only. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, re-publish, upload, post, re-post, reverse engineer, re-use, alter, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Contents, the Site or any related software. All software used on this site is the property of the Company or its suppliers and is protected by U.S. and international copyright laws. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the Content on this site is strictly prohibited. The First Financial logo, ffga and ffga.com are all trademarks of First Financial Administrators, Inc.

The Company reserves the right at any time, at its sole discretion, to change, alter, improve, downgrade, modify, suspend – temporarily or permanently, or discontinue any aspect or feature of the Site, including, but not limited to, Content, hours of availability and equipment and/or software required for access or use of the Site or any portion thereof to the full extent allowed by law, at any time, with or without notice. The Company shall have no obligation or liability to any party regarding any change, alteration, improvement, downgrade, modification, discontinuance, or suspension to any part of this or any Company-related Website, including this Agreement or the Company’s Privacy Policy, or any other information, data, programs or products contained on or described on this Site. The Company may also change the terms and conditions set forth in this Agreement and any subsequent use of the Site by you constitutes your agreement to such changed terms and conditions. Any rights not expressly granted herein are reserved to the Company.

The materials contained herein and any related Company websites, both text and graphics, are presented for informational and illustrative purposes only. Nothing on the Site is intended as, nor should it be construed as, an offer to sell or an invitation to buy any product or service currently offered by the Company. The Company’s services are available only in those states and jurisdictions where the Company is licensed and each service has received regulatory approval as may be required by law.

Access to and use of the Site are provided on an “as is” and “as available” basis without express or implied warranties of any kind. The Company does not warrant that such access and use will be uninterrupted. The Company cannot and does not guarantee the completeness or accuracy of any information obtained from the Site or its applicability to your unique financial situation except where expressly required by state or federal law. The information contained herein is presented without express or implied warranties of any kind. The information is not intended as, nor should it be construed as, financial, legal or professional advice. You agree to seek the advice of and consult with your own competent legal, financial or tax advisor before you make any decision pertaining to any matter directly or indirectly related to information contained within this Site.

Unless otherwise noted, all materials, including images, text, illustrations, designs, icons, photographs, programs, video clips and written and other materials that are part of this Site (collectively, the “Content(s)”) are copyrights, trademarks, trade and/or other intellectual property owned, controlled or licensed by the Company, one of its affiliates or by third parties who have licensed their materials to the Company and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement, and assembly) of all Content on this Site is the exclusive property of the Company and is also protected by U.S. and international copyright laws.

The Company and its suppliers and licensors expressly reserve all intellectual property rights in all text, programs, products, processes, technology, content and other materials which appear on the Site. Access to the Site does not confer and shall not be considered as conferring upon anyone any license under any of the Company’s or any third party’s intellectual property rights.
The First Financial logo, “ffga” and “ffga.com” and all related service names, design marks and slogans are the trademarks or service marks of the Company. No trademark or service mark license is granted in connection with the materials contained on this Site. Access to this Site does not authorize anyone to use any name, logo or mark in any manner.

References on this Site to any names, marks, products or services of third parties or hypertext links to third party sites or information are provided solely as a convenience to you and do not in any way constitute or imply the Company’s endorsement, sponsorship or recommendation of the third party, information, product or service.

The Site may contain links to other websites. The Company is not responsible for the availability of these external websites nor does it endorse or is it responsible for any of the contents, advertising, products or other materials on such external websites. Under no circumstances shall the Company 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 such external website. Any concerns regarding any external link should be directed to the respective website, rather than to the Company. Including a link to an external site in the Site does not expressly state or imply that the Company has authorization from the owner of such site to link to it. The Company is not responsible for the content of any third party sites and does not make any representations regarding the availability, content or accuracy of material on such sites. The Company cannot and does not monitor the sites linked to our pages on the Internet. If you decide to link to any such third party web sites, you do so entirely at your own risk. You agree not to provide links to this Site without the prior authorization and written consent of the Company.

You are prohibited from violating or attempting to violate the security of the Site, including, without limitation, (a) accessing data not intended for such user, (b) logging onto a server or an account which you are not authorized to access; (c) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (d) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Site, introducing a Disabling Device (as hereinafter defined), overloading, “flooding,” “spamming,” “mail-bombing” or “crashing;” (e) sending unsolicited e-mail, including promotions and/or advertising of products or services; or (f) forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting. Violations of system or network security may result in civil or criminal liability. The Company will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

You agree not use this Site in a manner that inhibits or restricts other users from enjoying the same. You agree not to post or transmit any information, software or other material that (1) contains a virus, worm, Trojan horse, Timebomb or other harmful component; (2) is defamatory, abusive, obscene, illegal, threatening, libelous, pornographic or profane; and (3) infringes on the privacy, intellectual property and/or other protected rights of others, including without limitation any postings or transmissions that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available from Company on the Site and generally available third party web browsers (e.g., Microsoft Internet Explorer, Firefox, Safari, etc.).

We welcome Feedback regarding the ffga.com website. All comments, feedback, suggestions, ideas, and other submissions disclosed, submitted or offered to the Company on or by this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (collectively “Feedback”) shall be and remain the Company’s property. Such disclosure, submission or offer of any Feedback shall constitute an assignment to the Company of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the Feedback. Thus, the Company will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any Feedback. The Company will be entitled to use, reproduce, disclose, publish and distribute any feedback you submit for any purpose whatsoever, without restriction and without compensating you in any way. The Company is and shall be under no obligation (1) to maintain any Feedback in confidence; (2) to pay to user any compensation for any Feedback; or (3) to respond to any user Feedback. You agree that no Feedback submitted by you to the Site will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s). You further agree that no Feedback submitted by you to the Site will be or contain libelous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Feedback you submit.

Feedback does NOT include information you provide to the Company through the Site when you are requesting information about your existing policies, offering to purchase additional products or services, or conducting business transactions with the Company using the Site. For complete information about the Company’s Privacy and Personal Information Protection Practices please see our Internet Privacy Policy.

The calculators provided on our site are solely to be used as a self-help, educational tool. Results depend on many factors and we do not guarantee accuracy or applicability to your circumstances. Our calculators do not constitute legal, investment, accounting or tax advice. Our calculators are not an advertisement or offer for an investment, insurance or financial services product. You should exercise care in the selection of investment, insurance or financial services products to ensure that any such products are tailored to your individual circumstances. Carefully review the terms of any agreement for those products with your attorney, accountant or tax advisor.

You agree to defend, indemnify and hold the Company harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the Site.

These terms are effective unless and until terminated by either you or the Company. You may terminate this Agreement at any time by discontinuing any further use of the Site. The Company also may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, if in the Company’s sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of the Agreement by either you or the Company, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials, whether made under the terms of use or otherwise.

THIS SITE AND ANY AND ALL INFORMATION PROVIDED HEREIN OR IN RELATED COMPANY SITES RELATED TO THE COMPANY, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, PARENT, AFFILIATES, SUBSIDIARIES OR OTHER MEMBERS OF THE FIRST FINANCIAL GROUP OF AMERICA, INCLUDING FIRST FINANCIAL CAPTIAL CORPORATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, FIRST FINANCIAL ADMINISTRATORS, INC., ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, PARENT, AFFILIATES, SUBSIDIARIES AND OTHER MEMBERS OF THE FIRST FINANCIAL GROUP OF AMERICA DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. THE INFORMATION PROVIDED HEREIN IS FOR INFORMATIONAL PURPOSES ONLY AND THE COMPANY DOES NOT WARRANT THAT THE INFORMATION IS COMPLETE OR ACCURATE, THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY INFORMATION IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED), THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, TIMEBOMBS, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS WHICH MAY PREVENT USERS FROM USING A WEBSITE OR ANY OTHER ITEM OF HARDWARE OR SOFTWARE OR MAY ERASE, SCRAMBLE, LOCK OR DISABLE COMPUTER SOFTWARE OR EQUIPMENT. SHOULD YOU OFFER TO PURCHASE A PRODUCT OR SERVICE FROM THE COMPANY OR A THIRD PARTY, THE TERMS AND CONDITIONS APPLICABLE TO THAT TRANSACTION WILL GOVERN SUCH PURCHASE; YOUR USE OF THIS SITE DOES NOT AFFECT THAT PURCHASE IN ANY MANNER. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE, BY YOUR USE OF THE FIRST FINANCIAL ADMINISTRATORS, INC. SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THIS DISCLAIMER CONSTITUTES AN ESSENTIAL PART OF THIS AGREEMENT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

A “Disabling Device” is defined as any software, document, message or other material which contains a computer virus, worm, trojan horse, timebomb or other device which may erase, scramble, lock or disable computer software or equipment or may prevent users from using a website or any other item of hardware or software.

IN NO EVENT AND UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL OR EQUITABLE THEORY, WHETHER BASED ON TORT, CONTRACT, STRICT LIABILITY, BAD FAITH OR OTHERWISE, SHALL FIRST FINANCIAL ADMINISTRATORS, INC. OR ANY OF ITS EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, VENDORS, SUPPLIERS, PARENT, AFFILIATES OR SUBSIDIARIES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR ANY COSTS, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL LOSSES OR DAMAGES OF ANY NATURE ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS OR ANY COMPANY-RELATED WEB SITE, OR ANY OTHER DIRECT OR INDIRECT HYPER-LINKED WEBSITES, INCLUDING, WITHOUT LIMITATION, DAMAGES OR CLAIMS FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, VIRUSES, OMISSIONS, DELAYS, NONDELIVERY OF INFORMATION, RELIANCE ON INFORMATION, BUSINESS OR PERSONAL INTERRUPTIONS, USE, LOSS OF PROGRAMS, LOSS OF FILES, ERRORS, DEFECTS, DISABLING DEVICES, COMPUTER FAILURE OR MALFUNCTION OR OTHER INTANGIBLE LOSSES, EVEN IF THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, BUSINESS PARTNERS, PARENT, AFFILIATES OR SUBSIDIARIES HAVE BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL FIRST FINANCIAL ADMINISTRATORS, INC. BE LIABLE FOR ANY DAMAGES IN EXCESS OF ANY FEES LEVIED BY THE COMPANY AND PAID BY YOU IN CONNECTION WITH YOUR USE OF THE SITE DURING THE MONTH PRECEDING THE DATE ON WHICH THE CLAIM AROSE.

Any software that is made available to download from the Site (“Software”) is owned or licensed by the Company and/or its suppliers and is subject to U.S. 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 by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the extent permitted by applicable law.

WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. EXCEPT AS WARRANTED IN THE LICENSE AGREEMENT, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE SOFTWARE, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT.

Software from the Site is further subject to United States export controls, No software from the Site may be downloaded or otherwise exported or re-exported (i) into (or to a national, agent or resident) of any country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals, or the U.S. Commerce Department’s Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national, agent or resident of any such country or on any such list.

The Company operates and controls the Site from its offices located in the State of Texas in the United States. The Company makes no representation that the information or other materials in the Site are appropriate or available for use in other locations. If you choose to access this Website outside of the State of Texas through your own initiative, you are responsible for compliance with local laws, if and to the extent local laws are applicable.

This Agreement represents the complete agreement between the parties and supersedes all previous written or oral agreements between the parties with respect to such subject matter. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable and the other terms of this Agreement shall remain in full force and effect. The failure of Company to act with respect to a breach of this Agreement by you or others does not constitute a waiver and shall not limit Company’s rights with respect to such breach or any subsequent breaches. This Agreement shall be governed by and construed under Texas law as such law applies to agreements between Texas residents entered into and to be performed within Texas, without giving effect to any principles of conflicts of law. Any action or proceeding arising out of or related to this Agreement or your use of this Site must be brought in the state or federal courts of Texas. (c) 2011 First Financial Administrators, Inc. All Rights Reserved.

We invite you to link to our site www.ffga.com. If you want to link to our Site, you may do so, provided you agree to this Linking Agreement. By establishing a link to our Site, you are deemed to have agreed to this Linking Agreement.

General

If you link to our Site, the Company grants you a limited, non-exclusive, non-transferable, royalty-free license to use the Company’s registered and unregistered marks (the “Marks”) solely for the purpose of serving as a link from your web site to the Company’s Site. Except for the limited license granted in this paragraph to use the Marks, you may not use any of the Company’s trademarks or service marks for any reason without the Company’s prior written permission.

You acknowledge that all rights to each of the Marks, the content appearing on the Site, and the look and feel of the Site belong to the Company, and you agree not to directly or indirectly contest or infringe these rights.

If you link to the Site, your web site:

• Should not “frame” any portion of this Site or use similar boundary control techniques to display the Contents of this Site, except as provided below.
• Should not disparage or discredit this Site or the Company or its products or services, or present our graphic link in any way which diminishes its good will, or otherwise violates state or federal law.
• Should not contain materials that may be interpreted as distasteful or offensive, all materials should be appropriate for all age groups.
• Should not imply that the Company is endorsing you or your products or services.
• In the absence of any affiliation or business relationship with the Company, should not state or imply an affiliation or relationship between your organization and the Company without the prior written approval of the Company. If there is an affiliation or business relationship between your organization and the Company, it may be noted, so long as it is accurately described.

Limitations on framing and “deep linking” on the Site

Certain users may wish to establish a “deep link” to some parts of the Site or frame some portion of the Site. These practices may be acceptable, provided you comply with all of the conditions above under “General” and below as well.

For all framing and deep linking requests:

• You must submit for the Company’s review and approval screen shots that display the method by which you would like to frame a page of the Site. The Company may withhold its approval, in its sole discretion.
• If you have any questions about how to establish a “deep link” to the Site, or if you wish to frame any portion of the Site, please contact the Company.

The Company has no responsibility or liability for any content appearing on your web site. The Company may at any time, in its sole discretion and with or without cause, immediately terminate your license to use the Marks and your right to link to the Site. If the Company exercises this right, you must immediately remove all links to the Site pages and cease using the Marks. The Company may amend this Linking Agreement at any time. You agree to abide by this Linking Agreement and all other legal terms and conditions on the Site, including, but not limited to, the “Terms of Use” of the Site, as amended from time to time.

First Financial Securities of America, Inc. has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us – If after a significant business disruption you cannot contact us as you usually do at (800)523-8422 or (281)847-8422, you should call our emergency numbers (800)365-3860 or (505)883-7979, or go to our web site at www.ffga.com. If you cannot access us through either of these means, you should contact our clearing firm, Southwest Securities, at (214)859-1800 and www.swst.com for instructions on how it may provide prompt access to funds and securities, enter orders and process other trade-related, cash, and security transfer transactions for you.

Our Business Continuity Plan – we plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are able to continue our business.

Our clearing firm, Southwest Securities, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its won operations and be able to complete existing transactions and accept new transactions and payments within 4 hours. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within 8 to 12 hours. In a disruption affecting our business district or, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within 48 to 72 hours. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our web site www.ffga.com or our customer emergency numbers, (800)365-3860 or (505)883-7979 how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.

For more information – If you have any questions about our business continuity planning, you can contact us at (800)523-8422 or (281)847-8422.

First Financial Group of America is committed to accessibility and digital inclusion.

Our goal is to conform with the Web Content Accessibility Guidelines (WCAG) 2.0. Level AA Success Criteria as published by the Web Accessibility Initiative (WAI) of the World Wide Web Consortium (W3C) through automatic and manual testing, and subsequent remediation and enhancements for optimal accessibility and usability for all users.

In our effort to provide a fully accessible and optimized user experience for all site visitors, First Financial designers and developers are constantly making changes and improvements in order to maintain full conformity with WCAG 2.0 Level AA standards. Our goal is to provide excellent user experience, regardless of the assistive technology being used to access this site or the specific abilities of those individuals seeking access to this site.

If you encounter issues with any page or feature on this website, please contact us to submit your feedback and allow us to assist you: