Terms Of Use

Website Terms of Use

‍

Please read these terms andconditions carefully. By accessing this web site and any pages therein, youagree to be bound by the terms and conditions below. If you do not agree to theterms and conditions below, do not access this web site, or any pages therein.Your use of this website and your transactions conducted with Oxford HomeLending, in connection with this website are subject to the following terms andconditions, also referred to as "terms of use". Clicking on linkswithin the website or webpages beyond the website’s homepage constitutes youracceptance of and agreement with the terms of use whether or not you complete atransaction with Oxford Home Lending and whether or not you complete yourtransaction on the website or through other channels, such as by telephone, byemail, facsimile or otherwise. If you do not agree to the terms of use, you maynot use this website. Please read this agreement carefully.

Website Ownership

This website is owned andoperated by Oxford Home Lending.

Access to this Website

Oxford Home Lending reservesthe right at all times, in its sole discretion and without notice to you, todeny your access to and use of this website.

Permitted Use

By accessing or using thiswebsite, you agree that:

Your use of this website is subject to and governed by these Terms ofUse;

• You will only access or use this website and transact business withOxford Home Lending if you are at least 18 years old;
• You will use the website solely for its services offered in the normalcourse of business;
• You will always act in accordance with the law, custom, and in goodfaith;
• You will comply with and be bound by these Terms of Use as they appearon this website each time you access and use this website;
• Each use of this website by you indicates and confirms your agreement tobe bound by these Terms of Use; and
• These Terms of Use are a legally binding agreement between you andOxford Home Lending that will be enforceable against you.
• You further agree to not usethe website in any way that:
• Changes or alters the website, content or services that may appear onthis website;
• Impairs in any way the integrity or operation of the website;
• Interferes with or induces a breach of the contractual relationshipsbetween Oxford Home Lending and its employees;
• Is in any way unlawful or prohibited, or that is harmful or destructiveto anyone or their property;
• Transmits any advertisements, solicitations, schemes, spam, flooding, orother unsolicited email and commercial communications;
• Transmits any harmful or disabling computer codes or viruses;
• Harvests email addresses from this website;
• Transmits unsolicited email to this website or to anyone whose emailaddress includes the domain name of this website;
• Interferes with Oxford Home Lending’s network services;
• Attempts to gain unauthorized access to Oxford Home Lending’s networkservices;
• Suggests an express or implied affiliation or relationship with OxfordHome Lending without the express written permission of Oxford Home Lending;
• Impairs or limits our ability to operate this website or any otherperson’s ability to access and use this website;
• Unlawfully impersonates or otherwise misrepresents your affiliation withany person or entity;
• Transmits or uploads violent, obscene, sexually explicit,discriminatory, hateful, threatening, abusive, defamatory, offensive,harassing, or otherwise objectionable content or images;
• Dilutes or depreciates the name and reputation of Oxford Home Lending orany of its affiliates;
• Transmits or uploads content or images that infringe upon any thirdparty’s intellectual property rights or right to privacy;
• Unlawfully transmits or uploads any confidential, proprietary, or tradesecret information.

Links to Third Party Content

Clicking on certain linkswithin this website or certain other websites that are linked to this websitemay take you to other websites, or may display information from other websites,which are not maintained by Oxford Home Lending. Such websites may containterms and conditions, privacy provisions, confidentiality provisions, or otherprovisions that differ from the terms of use applicable to this website. Linksto other Internet services and websites are provided solely for the convenienceof users. A link to any service or website is not an endorsement of any kind ofthe service or website, its content or its sponsoring organization.

By using this website, youacknowledge and agree that Oxford Home Lending will not be responsible orliable to you or any other person for any damages or claims that might resultfrom your use of such content, services, calculation, information, products ormaterials.

Application of Additional Terms

You acknowledge that certainfeatures of this website, as well other products and services of Oxford HomeLending, including those that may be available through this website, may besubject to terms, conditions and disclaimers in addition to these Terms of Use,and you agree that your use of such products and services will be subject tosuch additional terms, conditions and disclaimers.

Username and Password Registration

You may be required to registeran account to access certain features of this website. In doing so, you agreeto provide correct, current, and complete information to the best of yourability. If you choose, or are provided with, a username, password, or anyother piece of identifying information as part of our security procedures, youmust treat such information as confidential, and you must not disclose it toany other person or entity. You also acknowledge that your account is personalto you and agree not to provide any other person with access to this site orportions of it using your username, password or other identifying information.You agree to notify Oxford Home Lending immediately if you believe yourusername, password, or other identifying information has been lost, stolen orotherwise compromised. You also agree to ensure that you exit from your accountat the end of each session. You should use particular caution when accessingyour account from a public or shared computer so that others are not able toview or record your password or other personal information.

You acknowledge and agree thatyou are solely responsible for all damages or claims that may arise from anyaccess to or use of this website by any person to whom you have provided yourusername, password or other identifying information, or by any person who hasobtained such information from you, including, but not limited to, any accessto or use of this website that may occur after you have notified us that yourusername, password or other identifying information has been lost, stolen orotherwise compromised.

Intellectual Property

All information and content onthis website, except where otherwise stated (including but not limited to alllogos, text, graphics, images, video and audio, data compilations, software,and the design, selection and arrangement thereof), are owned by Oxford HomeLending, its affiliates, partners, licensors, or other providers of suchmaterial, and are protected by United States and international copyright,trademark, patent, trade secret, and other intellectual property or proprietaryrights laws.

"OXFORD HOME LENDING"and the mark consisting of the name "OXFORD HOME LENDING" aretrademarks of Oxford Home Lending. All related names, terms, logos, product andservices names, designs, and slogans are trademarks of Oxford Home Lending orits affiliates or licensors. You must not use such marks without the priorwritten permission of Oxford Home Lending. All other names, logos, product andservice names, designs, and slogans on this website are the property of theirrespective owners.

You acknowledge and agree thatyou are permitted to view and download the material on this website for yourinformational or internal business use only. You do not acquire any ownershiprights by downloading or viewing any material on this website. You furtheracknowledge and agree that you will not in any way copy, reproduce, publish,create derivative works from, perform, upload, post, distribute, transfer,transmit, modify, adapt, reverse engineer, frame in any webpage, or alter theappearance of any materials from this website.

You agree that any testimonialsand submissions made to Oxford Home Lending concerning your use of the websiteor containing any comments, improvements, suggestions, and ideas regarding thiswebsite, become irrevocable and permanent property of Oxford Home Lending, andmay be used by Oxford Home Lending in any way Oxford Home Lending deems fit, inits sole judgment.

Warranty Disclaimer

This website, including anycontent or information contained within it or any website-related service, isprovided "as is". Oxford Home Lending does not warrant the accuracy,adequacy or completeness of this content and information, and expresslydisclaims liability for errors or omissions in this content and information. Nowarranty of any kind, implied, express or statutory, including but not limitedto, the warranties of merchantability, title, non-infringement of intellectualproperty, fitness for any particular purpose and freedom from computer virus,is given in conjunction with the content and information. Oxford Home Lendingcannot guarantee uninterrupted service, service at any particular time, orintegrity of data, information or content stored or transmitted via theinternet. Oxford Home Lending will not be liable for any unauthorized accessto, or any corruption, erasure, theft, destruction, alteration or inadvertentdisclosure of, data, information or content transmitted, received or stored onits system caused by circumstances outside of Oxford Home Lending’s control.You assume total responsibility and risk for your use of this website,website-related services, and linked websites. Except as specifically providedin this agreement or where the law requires a different standard, Oxford HomeLending is neither responsible nor liable for any direct, indirect, incidental,consequential, special, exemplary, punitive, or other damages arising out of orrelating in any way to this website, website-related services, a disruption ofwebsite services, content or information contained within this website, and/orany linked website. Your sole remedy for dissatisfaction with this website,website-related services, and/or linked websites is to stop using this websiteand/or those services.

Modification of the Terms of Use

You acknowledge and agree thatOxford Home Lending may revise, update or otherwise change these Terms of Useat any time without notice to you, at Oxford Home Lending’s sole discretion,and that you will be bound by the provisions of these Terms of Use as theyappear on this website at the time you access this website. Because these Termsof Use may change, Oxford Home Lending encourages you to refer back often tothese Terms of Use. In addition, you acknowledge and agree that all othercontent, services, products and materials on or available through this websiteare subject to updating and revision without notice to you. Your continued useof this website will be deemed acceptance of the most current Terms of Use.

Indemnification

You agree to defend, indemnify,and hold harmless Oxford Home Lending, its affiliates, licensors and serviceproviders, and its and their respective officers, directors, employees,representatives, shareholders, subsidiaries, successors, affiliates, contractors,agents, suppliers, and assigns from and against any claims, liabilities,damages, judgments, awards, losses, costs, expenses or fees (includingreasonable attorneys’ fees and court costs) arising out of or relating to yourviolation of these Terms of Use and/or your use of this website.

Waiver and Severability

No waiver by Oxford HomeLending of any term or condition set forth in these Terms of Use shall bedeemed a further or continuing waiver of such term or condition, and anyfailure of Oxford Home Lending to assert a right or provision under these Termsof Use shall not constitute a waiver of such right or provision.

If any provision of these Termsof Use is found to be void, invalid, illegal or unenforceable for any reason,such provision shall be deemed severable from the other provisions of theseTerms of Use and shall not affect the validity or enforceability of such otherprovisions.

Governing Law

All matters and any dispute orclaim relating to this website and these Terms of Use shall be governed by andconstrued in accordance with the internal laws of Maryland without givingeffect to any principle of conflicts of law. Any action at law or in equityshall be brought only in state or federal courts within Howard County or theU.S. District Court for the District of Maryland. You hereby consent and submitto the personal jurisdiction of these courts for the purposes of litigation.

The services offered by OxfordHome Lending and this website are intended for U.S. residents only and only inthose states where Oxford Home Lending is duly licensed to originate mortgageloans. This website is not approved for distribution outside of the U.S. andnon-U.S. residents should not rely or act upon the information containedwithin.

Fair Credit Reporting Act

This notice is provided to youin accordance with § 601 et seq. of the Federal Fair Credit Reporting Act(FCRA). In connection with processing your loan application, we will request aconsumer credit report on your credit standing, credit capacity and creditworthinessfrom a Consumer Reporting Agency. If adverse action is taken on your loanapplication, we will advise you of the name, address and telephone number ofthe Consumer Reporting Agency and you will have the right to obtain within 60days of adverse action a free copy of the consumer credit report from theConsumer Reporting Agency. You also have the right to dispute the accuracy orcompleteness of any information in the credit report furnished.

Privacy Policy

To learn about how Oxford HomeLending uses and protects the privacy of its users, please visit the OxfordHome Lending Privacy Policy page on our website.