Terms and Conditions

First Capital Advisors Corp. DBA Banc101

Last updated May 07, 2025

AGREEMENT TO OUR LEGAL TERMS

We are First Capital Advisors Corp, doing business as BANC101 ("Company," "we," "us," "our"), a company registered in California, United States at 1101 California Ave #101, Corona, CA 92881.

We operate the website www.banc101.com (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

You can contact us by phone at 844-687-2262, email at info@banc101.com, or by mail to 1101 California Ave #101, Corona, CA 92881, United States.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and First Capital Advisors Corp, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. OUR SERVICES

2. INTELLECTUAL PROPERTY RIGHTS

3. USER REPRESENTATIONS

4. USER REGISTRATION

5. PROHIBITED ACTIVITIES

6. USER GENERATED CONTRIBUTIONS

7. CONTRIBUTION LICENSE8. GUIDELINES FOR REVIEWS

9. SOCIAL MEDIA

10. SERVICES MANAGEMENT

11. PRIVACY POLICY

12. COPYRIGHT INFRINGEMENTS

13. TERM AND TERMINATION

14. MODIFICATIONS AND INTERRUPTIONS

15. GOVERNING LAW

16. DISPUTE RESOLUTION

17. CORRECTIONS

18. DISCLAIMER

19. LIMITATIONS OF LIABILITY

20. INDEMNIFICATION

21. USER DATA

22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

23. SMS TEXT MESSAGING

24. CALIFORNIA USERS AND RESIDENTS

25. MISCELLANEOUS

26. CONTACT US

1. Our Services

Information provided via our Services is not intended for jurisdictions where such distribution or use is unlawful or would subject us to regulatory requirements. Compliance with local laws is your responsibility.

2. Intellectual Property Rights

All intellectual property rights (Content and Marks) in our Services are owned or licensed by us. Content and Marks are provided "AS IS" for personal, non-commercial, or internal business use. Unauthorized commercial use is prohibited.

3. User Representations

By using our Services, you confirm you are 18+, provide accurate registration details, and agree to comply with all applicable laws.

4. User Registration

You must maintain password confidentiality and are responsible for all activities under your account.

5. Prohibited Activities

Unauthorized activities include automated data collection, security breaches, harassment, spam, impersonation, and any unlawful uses detailed in full in the agreement.

6. User Generated Contributions

Contributions must comply with intellectual property rights, accuracy standards, and must not contain prohibited content (offensive, misleading, unlawful).

7. Contribution License

You grant us a perpetual, worldwide, royalty-free license to use your Contributions, including derivative works and sublicensing rights.

8. Guidelines for Reviews

Reviews must be genuine, non-offensive, accurate, and free from discrimination or illegal references.

9. Social Media

Linking your account with third-party social media accounts allows us to access related content. Relationships with third-party providers are governed solely by your agreements with them.

10. Services Management

We reserve the right to manage, restrict, or remove content and accounts as necessary for compliance and protection purposes.

11. Privacy Policy

Use of our Services is subject to our Privacy Policy (www.banc101.com/privicy). Data transferred and processed in the United States.

12. Copyright Infringements

Claims of infringement should be immediately directed to us using provided contact information.

13. Term and Termination

We may terminate or restrict access to our Services at any time for breaches of terms or law without notice.

14. Modifications and Interruptions

We may modify or discontinue Services without liability or prior notice.

15. Governing Law

Terms governed by California law.

16. Dispute Resolution

Binding arbitration in Riverside, California, governed by AAA rules. Certain exceptions apply.

17. Corrections

We reserve the right to correct any inaccuracies in the Services without prior notice.

18. Disclaimer

Services provided "as-is" without warranty; we disclaim all liability for inaccuracies, unauthorized access, or other service issues.

19. Limitations of Liability

We are not liable for indirect, consequential, or punitive damages arising from use of the Services.

20. Indemnification

You agree to indemnify us against claims related to your Contributions, use of Services, or breaches of this agreement.

21. User Data

You are responsible for your data transmitted through our Services. We are not liable for data loss or corruption.

22. Electronic Communications, Transactions, and Signatures

You consent to electronic communication and agree electronic records and signatures are legally binding.

23. SMS Text Messaging

Opting into our SMS program consents to receiving marketing and transactional messages. Message rates apply; opt-out by replying "STOP."

24. California Users and Residents

Complaints unresolved with us can be directed to the California Department of Consumer Affairs.

25. Miscellaneous

These terms constitute our entire agreement; no waiver of rights; severability clause; and no agency relationship created.

26. Contact Us

First Capital Advisors Corp

1101 California Ave #101

Corona, CA 92881

Phone: 844-687-2262

Email: info@banc101.com