Terms & Conditions
Last updated: August 6, 2026
1. Acceptance of these terms
By using https://familyfirstmutual.com or opting in to communications from Family First Mutual LLC, you agree to these Terms & Conditions. If you do not agree, please do not use the site.
2. Educational content only
All content we publish, including text messages, is general consumer education. It is not financial, investment, legal, tax, or credit-repair advice, and it does not create a fiduciary or advisory relationship. Consult a qualified professional about your specific situation.
3. Eligibility
You must be at least 18 years old and a resident of the United States to submit our forms or join our messaging program.
4. SMS / text messaging terms
Program description
Family First Mutual Budget Tips sends recurring budgeting and financial education text messages (money-saving tips, savings habits, and educational resources) from Family First Mutual LLC.
How to opt in
You may join by submitting the form on our Contact page with your mobile number and voluntarily checking the SMS consent box, which is never pre-checked. Consent to receive text messages is not a condition of any purchase or service.
Message frequency
Message frequency varies, approximately 4 messages per month.
Cost
Message and data rates may apply. Charges are billed by and payable to your mobile service provider.
Opting out
You can cancel at any time by replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message. After you send one of these keywords, we will send a single confirmation message and then stop sending texts. To rejoin, submit the contact form again.
Help
Reply HELP or INFO to any message for assistance, or contact us at leaders@familyfirstmutual.com or (657) 478-5905.
Carriers and delivery
Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission from your wireless service provider and is not guaranteed. Supported carriers may change without notice.
Privacy
We do not sell, rent, or share your mobile number or SMS consent with any third party or affiliate for marketing purposes. See our Privacy Policy for details.
5. Acceptable use
You agree not to misuse the site, submit false information, or attempt to disrupt or gain unauthorized access to our systems.
6. Intellectual property
All site content, including text, graphics, and our logo, is owned by Family First Mutual LLC and may not be reproduced without permission.
7. Disclaimer and limitation of liability
The site and our messages are provided "as is" without warranties of any kind. To the fullest extent permitted by law, Family First Mutual LLC is not liable for any indirect, incidental, or consequential damages arising from your use of the site or our messages.
8. Changes to these terms
We may update these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.
9. Contact
Family First Mutual LLC
PO Box 12187
Zephyr Cove, NV 89448
(657) 478-5905
leaders@familyfirstmutual.com