Terms and Conditions

Introduction

These Website Standard Terms and Conditions govern your use of Oxford Bank’s website, mobile application, and digital banking services.

By accessing or using our website or services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use Oxford Bank’s website or services.

Oxford Bank reserves the right to update or modify these Terms and Conditions at any time, and continued use of our services indicates your acceptance of any changes.

Intellectual Property Rights

Unless otherwise stated, Oxford Bank and/or its licensors own all intellectual property rights in the website and its content. All rights are reserved.

You are granted a limited, non-exclusive, and non-transferable license to access and use the website strictly for personal or authorized banking purposes.

Restrictions

You are specifically restricted from:

• Republishing material from Oxford Bank’s website in any other media
• Selling, sublicensing, or commercially exploiting website content
• Publicly displaying or performing website content without authorization
• Using the website in any way that may damage or impair its performance
• Using the website in violation of applicable laws and regulations
• Engaging in data mining, scraping, or similar data extraction activities
• Using the website for unauthorized advertising or marketing purposes

Oxford Bank may restrict access to certain areas of the website at its sole discretion. Any login credentials provided must be kept confidential and secure.

Your Content

“Your Content” refers to any information, text, images, documents, or materials you submit or upload through our website or services.

By submitting content, you grant Oxford Bank a non-exclusive, worldwide, royalty-free license to use, store, process, and display such content as necessary to provide banking services.

You confirm that your content does not infringe upon the rights of any third party. Oxford Bank reserves the right to remove any content that violates these Terms.

No Warranties

Oxford Bank’s website and services are provided on an “as is” and “as available” basis. We make no warranties or guarantees regarding the accuracy, reliability, or availability of the website or its content.

Nothing on this website constitutes financial or legal advice.

Limitation of Liability

Oxford Bank, including its directors, employees, and affiliates, shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

We are not responsible for losses resulting from:

• Service interruptions or downtime
• Unauthorized access due to user negligence
• Internet or system failures beyond our control
• Cybersecurity threats outside reasonable safeguards

Indemnification

You agree to indemnify and hold harmless Oxford Bank, its employees, directors, and affiliates from any claims, damages, losses, or expenses arising from your violation of these Terms or misuse of our services.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Variation of Terms

Oxford Bank reserves the right to update or modify these Terms at any time. Users are encouraged to review this page regularly to stay informed of any changes.

Assignment

Oxford Bank may assign or transfer its rights and obligations under these Terms without prior notice. Users may not assign or transfer their rights without written consent from Oxford Bank.

Entire Agreement

These Terms constitute the full agreement between you and Oxford Bank regarding the use of our website and services, and supersede any prior agreements or understandings.

Governing Law

These Terms shall be governed by and interpreted in accordance with the applicable laws of the jurisdiction in which Oxford Bank operates. Any disputes shall be subject to the appropriate courts of that jurisdiction.