LAST UPDATED: August 2018

Please read these Terms of Service (“Terms”) carefully before using the www.oxfordfinance.com website (the “Website”) operated by Oxford Finance LLC (“Oxford”, “us”, “we”, or “our”).

Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Website, or use, apply for or inquire about financial services or other goods or services offered by Oxford (the “Services”). If you are accessing this Website or using the Services as an employee or representative of a company or organization, these Terms are binding upon both you individually and to that company or organization, and references to “you” or “your” shall apply to you individually and such company or organization.

These Terms are a legal agreement between you and us, and they contain important information on your legal rights, remedies and obligations. By accessing or using the Website or the Services, you: (i) acknowledge that you have read and understand, and are agreeing, on your own behalf and on behalf of your minor children using the Website or the Services, to be bound by these Terms and that you are agreeing to comply with all applicable laws, rules and regulations; and (ii) represent that you are an adult and have the legal capacity to enter a contract in the jurisdiction where you reside. You further acknowledge and agree that your access to and use of the Website and the Services are valuable benefits that you receive by agreeing to, and complying with, these Terms. You may not access, browse or use the Website or the Services and you should discontinue these activities immediately, if you: (a) do not agree to these Terms; or (b) are prohibited from accessing or using the Website or the Services by applicable law.

THIS WEBSITE IS INFORMATIONAL ONLY

The Website is intended solely to provide general information regarding Oxford, certain of our products and services, and other information that may be of interest to you. The Website does not purport to provide any information specifically responsive to any question you may have, and it is not a comprehensive discussion of any topic that may be relevant to you. No statement, article, quote, research finding, opinion or other content posted or referred to on the Website is intended to, and none does, constitute investment, financial, consulting, accounting, tax, legal, or other professional advice or services. The Website may not disclose all risks relating to your use of the Website, or any products or services offered by Oxford. Any actions that you take based on information contained on the Website are your sole responsibility, and should be discussed in advance with one or more suitably qualified trusted advisors.

The fact that the Website, or any information posted thereon, is available to you does not constitute a recommendation that you enter into a particular transaction, or utilize any product or service. No statement made or referenced on the Website is, and none should be perceived as, an offer or recommendation by Oxford on any matter. Nothing on the Website is intended to be, nor should be construed as, an offer by Oxford to enter into a contractual relationship with you or anyone else for any products or services (except with respect to the contract created between you and Oxford regarding your use of the Website, as stated in these Terms).

Oxford does not solicit or make its services available to the general public. All products or services offered by Oxford are subject to completion of any documentation or other action required by Oxford in connection with such products and services, and are governed by Oxford’s terms and conditions relevant thereto. Oxford reserves the right, at its sole discretion, for any or no reason, to offer or reject any request for products or services referenced on the Website.

To the extent that the Website contains transactions, case studies, statements, graphics, or other information concerning projections, plans, objectives, or performance (whether past, present or future), you should be aware that actual events or results may differ materially from those shown. Past performance of any transaction is not necessarily an indication of future performance. Oxford does not control, nor does it purport to be aware of, all market forces that may be relevant to you or any particular financial opportunity at any time. Many factors affect the performance of investments, and the value of investments may go up or down.

Oxford makes no warranties or representations that materials on the Website are available or appropriate for all users or in all locations. If it is illegal or prohibited in your state or country to access or use the Website, do not do so. All persons and entities accessing the Website do so on their own initiative, and are responsible for compliance with all applicable local laws and regulations.

If all or some of the business, stock or assets of Oxford are acquired by, merged with, or otherwise transferred to another entity, such entity may assume responsibility for operation of the Website. By using the Website, you agree to any such transfer.

LINKS TO OTHER WEBSITES

Our Website may contain links to third party websites or may reference services that are not owned or controlled by Oxford (collectively, “Third Party Websites”). Such links are for convenience of reference only, and are not intended as an endorsement by us of the organization or individual operating such Third Party Website, or as an affirmation by us of the content of, or any products or services offered through, any such Third Party Website.

We have no control over, and assume no responsibility for, the content, security, privacy policies, or practices of any Third Party Website. You further acknowledge and agree that we shall not be held responsible or liable, directly or indirectly, for any damage, loss or other consequence caused, or alleged to be caused, by or in connection with your use of, or reliance on, any Third Party Websites, or any content, goods or services available thereon.

Additionally, to the extent that our Website provides you with access to resources not under our control, such as bookmarking tools or other personalization features, we assume no responsibility or liability for the accuracy or effectiveness of any such resources.
We strongly advise you to read the terms and conditions and privacy policies of any Third Party Websites that you visit.

WEBSITE CONTENT IS PROPERTY OF OXFORD

All content on this Website is the property of Oxford. You are permitted to copy and/or print individual pages of the Website for personal, non-commercial purposes. Any other copying, printing, or use requires our permission. To seek such permission, or if you perceive any copyright concerns, please submit your request, concern, or other information warranting our attention through our “Contact Us” page on this website.

Certain features of the Website, such as the “Contact Us” page, may allow you to post, upload, transmit or submit certain materials, content, comments, suggestions, information or ideas to or through the Website (“Your Content”). We do not ask for, nor do we wish to receive, any confidential, secret or proprietary information or other material from you through the Website, by e-mail or in any other way. By providing Your Content to us, you: (i) represent and warrant that Your Content does not violate any rights, including the rights of privacy, of any party and does not otherwise violate the law; (ii) agree that we will not be liable for any copying, reproduction, modification, translation, compilation, preparation of derivative works or materials, or any publication, distribution, display, disclosure, sale, licensing, or other use or commercial exploitation, of any of Your Content, or any tangible or intangible subject matter similar to, or using, incorporating, derived from or based on, any of Your Content, in whole or in part; and (iii) indemnify us and hold us harmless for and against any and all claims, actions and damages (including court costs, legal fees, accounting fees and amounts paid in settlement) that are related to or result from your use of the Website, Your Content or its posting on, or submission to, the Website, and/or your violation of these Terms. You will cooperate as fully as reasonably required in the defense of any such claim or action; however, we reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. IF YOU DO NOT WISH TO GRANT THE RIGHTS GRANTED IN THIS PARAGRAPH, PLEASE DO NOT SHARE, SUBMIT OR POST ANY OF YOUR CONTENT ON OR THROUGH THE WEBSITE.

PROHIBITED CONDUCT

You warrant and agree that, while accessing or using the Website, you will not yourself, and will not induce, assist or cause others to, directly or indirectly, for any purpose and by any means or in any form or medium whatsoever:

• download, archive, store, copy, reproduce, compile, recompile, use, modify, adapt, translate or prepare any summaries, abstracts, derivative works or materials of the Website or any content thereon, in whole or in part (except that you may exercise limited rights to access, view and print the Website and the content thereon);
• impersonate any person or entity or misrepresent your affiliation with any person or entity, whether actual or fictitious, including anyone associated or affiliated with the Website or Oxford;
• obtain or attempt to gain unauthorized access to other computer systems, materials, information or any services available on or through the Website through any means, including through means not intentionally made publicly available or provided through the Website;
• engage in any automatic or unauthorized means of accessing, logging-in or registering on the Website, if applicable, or obtaining lists of users or other information from or through the Website, including any information residing on any server or database connected to the Website;
• use the Website in any manner that could interrupt, damage, disable, overburden or impair the Website or interfere with any other party’s use and enjoyment of the Website, including sending mass unsolicited messages or “flooding” servers;
• use the Website or the Services in violation of our intellectual property or other proprietary or legal rights, or the rights of any third party;
• use the Website or the Services in violation of any applicable law or for any unlawful purpose;
• attempt (or encourage or support anyone else’s attempt) to circumvent, reverse-engineer, decrypt, or otherwise alter, or interfere with, the Website; or
• post, transmit, submit, publish or otherwise disseminate through the Website any of Your Content or other material that, as we determine in our sole discretion: (i) is unlawful, harmful, harassing, false, fraudulent, threatening, abusive, libelous, defamatory, vulgar, obscene, hateful, or racially, ethnically or otherwise objectionable, or infringes our or any third party’s intellectual property or other rights; (ii) is derogatory or harmful to our reputation or any of our respective officers, members, employees, representatives, licensors, service providers, suppliers, visitors or users in any way; (iii) is harmful to children in any manner; (iv) is for the benefit of any third party; (v) is for purposes of any public or commercial use or exploitation, including use by or for the benefit of any competitor of the EW Parties; (vi) consists of or contains any viruses, bugs, worms, Trojan horses or other harmful computer code; (vii) contains any impersonation, misrepresentation of your identity or the source or affiliation of the material or Your Content, or incorrect identification information; or (viii) consists of or contains any commercial solicitation, mass mailing, junk mail, spam, chain letter or political campaign material.

LIMITATION OF LIABILITY

THIS WEBSITE AND THE MATERIALS THEREON ARE PROVIDED ON AN “AS IS” BASIS. OXFORD AND ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THIS WEBSITE), EVEN IF OXFORD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THE WEBSITE OR A THIRD PARTY WEBSITE. OXFORD MAKES NO WARRANTY REGARDING THE SECURITY OF THE WEBSITE. YOUR USE OF THE WEBSITE, AND YOUR USE OR RELIANCE UPON ANY OF THE MATERIALS ON THE WEBSITE, IS SOLELY AT YOUR OWN RISK.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE WEBSITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

GOVERNING LAW

These Terms shall be governed and construed in accordance with the laws of the State of Virginia, without regard to its conflict of law provisions. If you take legal action relating to these Terms or your use of the Website, you agree to file such action only in the courts of the State of Virginia, or the United States District Court for the Eastern District of Virginia, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action with Oxford or its affiliates.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between Oxford and you regarding our Website, and supersede and replace any prior agreements Oxford might have with you regarding the Website. If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

CHANGES

We reserve the right, at our sole discretion, to modify or replace these Terms at any time, for any reason, simply by posting such modifications on this page.

We also reserve the right to modify, suspend or terminate, in our sole discretion, at any time, temporarily or permanently, for any or no reason and without notice to you, and without any liability to you, any portion of the Website.

We may change products or Services mentioned on the Website at any time with or without notice.

By continuing to access or use our Website after revisions are posted, you agree to be bound by the revised Terms. For this reason, please visit this page on a regular basis to ensure that you are familiar with the most recent version of these Terms. If you do not agree to the new Terms, please stop using the Website.

CONTACT US

If you have any questions about these Terms, please contact us by telephone at 703.519.4900 or by submitting a message through our “Contact Us” page on this website.