Effective Date: 2/05/2025
Welcome to the website of First Capital Investment Solutions (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree, please do not use this website.
1. Purpose of This Website
This website is intended to:
Provide general information about our services
Allow consumers to make payments on accounts
Offer access to account-related resources
This website is not intended to provide legal advice.
2. Debt Collection Disclosure (Mini-Miranda)
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Communications from First Capital Investment Solutions are made in accordance with applicable laws and regulations governing debt collection.
3. Compliance with Applicable Laws
We operate in compliance with all applicable laws and regulations, including:
The Fair Debt Collection Practices Act
The Gramm-Leach-Bliley Act
Other federal, state, and local laws governing debt collection and consumer rights
4. Use of Website
By using this website, you agree:
Not to use the site for unlawful purposes
Not to attempt to gain unauthorized access to systems or data
Not to interfere with the functionality or security of the website
We reserve the right to restrict or terminate access for misuse.
5. Account Information & Accuracy
If you submit information through this website:
You agree the information is accurate and complete
You are responsible for maintaining the confidentiality of your information
You understand that incorrect information may delay processing
6. Payments
If you make a payment through our website:
You agree that you are authorized to use the selected payment method
Payments are applied in accordance with your account agreement and applicable law
Processing times may vary
We are not responsible for delays caused by third-party payment processors or financial institutions.
7. Communication Consent
By providing your contact information, you consent to receive communications from us regarding your account, including:
Phone calls
Emails
Written correspondence
You may request limitations on communication methods as permitted by law.
8. No Harassment or Abuse
We are committed to treating consumers with respect and in compliance with the Fair Debt Collection Practices Act.
We prohibit:
Harassment or abusive conduct
False or misleading representations
Unfair collection practices
If you believe your rights have been violated, please contact us.
9. Intellectual Property
All content on this website, including text, logos, and design, is the property of First Capital Investment Solutions and may not be copied, reproduced, or distributed without permission.
10. Third-Party Services
This website may use third-party services for:
Payment processing
Hosting and analytics
We are not responsible for the practices or policies of these third parties.
11. Disclaimer of Warranties
This website is provided “as is” and “as available.”
We make no warranties, express or implied, regarding:
Accuracy of content
Availability of the site
Error-free operation
12. Limitation of Liability
To the fullest extent permitted by law, First Capital Investment Solutions shall not be liable for any damages arising from:
Use or inability to use this website
Unauthorized access to your information
Errors or interruptions in service
13. Privacy
Your use of this website is also governed by our Privacy Policy, which describes how we collect and use your information.
14. Dispute Resolution
Any disputes arising from the use of this website shall be governed by applicable laws in the jurisdiction where the Company operates, unless otherwise required by law.
15. Changes to These Terms
We may update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date.