By texting “Yes” and opting-in to FIRSTLIGHT TEXTING, you are agreeing to the following terms and conditions:

a. You consent to receive text messages containing special offers or referencing products. These text messages will be delivered to you using an automated dialing system. You agree to receive these messages at the number of the phone that you used to opt-in, which you own or are authorized to provide. Your consent to receive these automated text messages is not a condition of receiving any FIRSTLIGHT product or Service.

b. You agree FIRSTLIGHT may use an electronic record to document your consent. To withdraw consent, request a copy of the opt-in, or to update our records with your contact information, please call 1-800-351-1670. To view and retain an electronic copy of these Terms & Conditions or the rest of your opt-in, you will need (i) a device (such as a computer or cell phone) with internet access, and (ii) either a printer or storage space on such device. For an email copy, you’ll need an email account you can access from the device, along with a browser or other software that can display emails. These Terms & Conditions still will apply if you withdraw the consent mentioned above or opt-out of the FIRSTLIGHT TEXTING.

c. You may revoke your consent to receive automated text messages at any time by responding to a text sent by FIRSTLIGHT with “STOP”  or contacting us at 1-800-351-1670. Revoking your consent to receive automated marketing text messages from FIRSTLIGHT does not also revoke any consent you provided to receive automated text messages related to a specific transaction (for example, a loan application or fraud alerts). For further help or information you can respond to any text with “HELP”.

d. FIRSTLIGHT will not send you more than ten (10) text messages containing special offers or promoting FIRSTLIGHT products per month.

e. FIRSTLIGHT charges no fee for FIRSTLIGHT TEXTING, but your cellular carrier’s message and data rates may apply.

f. Text messages to FIRSTLIGHT phone numbers are not encrypted. Do not send sensitive or nonpublic personal information to FIRSTLIGHT via text messaging. FIRSTLIGHT will never ask that you send us sensitive information via text message. If you receive a text message purported to be from FIRSTLIGHT requesting sensitive information, please do not respond and contact FIRSTLIGHT immediately by telephone at 1-800-351-1670 during or after regular business hours.

g. FIRSTLIGHT may send you text messages containing HTTPS links to exchange sensitive or nonpublic information online to an firstlightfcu.org website. These links will open an firstlightfcu.org website in your phone's mobile browser with a "lock" icon to denote the encrypted HTTPS connection. Always verify the spelling of firstlightfcu.org before you open any link to FIRSTLIGHT’s website.

h. FIRSTLIGHT makes no warranty regarding availability or reliability of this service, and FIRSTLIGHT shall have no liability related to any delay or failure in the delivery or receipt of messages from FIRSTLIGHT TEXTING. 

i. FIRSTLIGHT may change these terms and conditions at any time. Updated terms and conditions shall be effective when posted to FIRSTLIGHT’s website. You agree to review the terms and conditions regularly to ensure you are aware of any changes. Your continued use of this service after the terms and conditions have been changed shall constitute your acceptance of the new terms and conditions.

j. FIRSTLIGHT may cancel your subscription to this text messaging service at any time without notice to you.

k. Depending on your relationship with FIRSTLIGHT, the terms of other agreements may apply to your use of FIRSTLIGHT TEXTING. At a minimum, use of FIRSTLIGHT TEXTING by FIRSTLIGHT members shall be subject to the terms of FIRSTLIGHT’s Membership and Account Agreement.

l. As outlined in the BINDING ARBITRATION AND CLASS ACTION WAIVER section of FIRSTLIGHT’s Membership and Account Agreement, You agree that any action, dispute, claim, or controversy of any nature between you and FIRSTLIGHT arising from or related to FIRSTLIGHT TEXTING, other than claims properly filed in small claims court, will be subject to and resolved by binding arbitration pursuant to the Commercial Arbitration Rules of the American Arbitration Association upon written request by either party at any time before, or within 90 days after, proper service of a formal claim. Arbitration shall proceed solely on an individual basis, without the right to arbitrate on a class action basis or in a representative capacity. Arbitration shall take place in El Paso, Texas. The results of any arbitration shall have no preclusive effect on any dispute with anyone who is not a named party to the arbitration. Any award or order rendered by the arbitrator may be confirmed as a judgment or order in any state or federal court of competent jurisdiction.

A copy of the FIRSTLIGHT Membership and Account Agreement is available upon request.

m. FIRSTLIGHT values your privacy. Please see FIRSTLIGHT’s Privacy Policy at:                www.firstlightfcu.org/files/html/Disclosures/FirstLight-Privacy-Disclosure.pdf