Introduction
Welcome to the website of Oxford Finance Group.
IMPORTANT: YOUR USE OF THIS WEBSITE SIGNIFIES YOUR ACCEPTANCE OF
THESE TERMS AND CONDITIONS OF USE. IF YOU DO NOT ACCEPT THEM,
PLEASE DO NOT USE THE WEBSITE.
Terminology
In these Terms and Conditions of Use:
- The term OFG refer to Oxford Finance Group.
- The terms the Site and the Website refer to
the website operated by Oxford Finance Group, namely
www.oxfordfinancegroup.com.
- The term the Contents and Materials on the Site
includes, without limitation, any articles, artwork, audio material
or software, audiovisual material or software or clips or stills,
databases, designs, digital downloads, icons, images, information,
graphics, logos, names, photographs, pictures, screen shots,
service marks, text, trademarks, software, video or visual material
or software, and all other files, available on the Site.
- The term Submission includes, without limitation, any
articles, artwork, audio material or software, audiovisual material
or software or clips or stills, concepts, creative suggestions,
databases, drawings, designs, icons, ideas, images, information,
graphics, know-how, logos, materials, names, notes, photographs,
pictures, screen shots, text, software, techniques, text video or
visual material or software (including but not restricted to
business, commercial, creative, or financial topics) sent or
emailed to OFG via the Site or in any other manner.
- The term Terms refers to these Terms and Conditions of
Use.
- The term third-party refers to parties independent of
OFG.
Permission to Use the Site
When you access, browse or use the Site, you signify your
agreement to the Terms, without limitation or qualification, and
agree to be legally bound by the Terms, which shall take effect
immediately on your first use of the Site. The Terms, the OFG
Online Privacy Policy, and any additional terms and conditions of
use posted on the Site, together constitute the entire agreement
between OFG and you with respect to your use of the Site. If you do
not agree to be legally bound by the Terms, the OFG Online Privacy
Policy, and any additional terms and conditions of use posted on
the Site, you may not use the Site. You represent that you have
read and agree to abide by the Terms, and that you have also read
and agree to the OFG Online Privacy Policy.
Modifications
OFG reserves the right, at its sole and absolute discretion, to
add, change, discontinue, modify, remove or suspend portions of the
Terms without notice at any time, by posting changes online. OFG
may also add, change, discontinue, modify, remove, or suspend any
Contents and Materials posted on the Site, including features and
specifications of products or services described or depicted on the
Site, temporarily or permanently, at any time, without notice and
without liability. Any changes to the Terms, or any Contents and
Materials posted on the Site, apply as soon as they are posted.
Your continued use of the Site following the posting of any such
changes shall mean that you accept these changes, and that you
agree to be legally bound by these terms as updated and/or amended.
Please therefore review the Terms regularly.
Separability
If any provision of the Terms, or any portion of a provision, is
unlawful, invalid, void, or for any reason unenforceable, then that
provision, or portion of a provision, shall be severed and deleted
from the Terms, and the remaining Terms shall survive, remain in
full force and effect, and continue to be binding, valid, and
enforceable.
Illegal Use
You agree that you will not use the Site for any illegal
purpose, or in any manner which is not consistent with the Terms,
or in a way that infringes the rights of OFG, or restricts or
inhibits anyone else's use and enjoyment of the Site. Prohibited
behaviour includes interrupting or attempting to affect or
interrupt the operation of the Site in any way, harassing or
causing distress or inconvenience to any person, transmitting
obscene or offensive content or disrupting the normal flow of
dialogue within the Site. If you become aware of misuse of the Site
by any person, please email us with your concerns.
Disclaimers & Limitation of Liability
You acknowledge that your use of the Site is at your sole risk.
You acknowledge that you assume full responsibility for all costs
associated with all necessary servicing, corrections, or repairs of
any equipment you use in connection with your use of the Site. You
acknowledge that OFG is not liable for any damages of any kind
(including without limitation, consequential, direct, exemplary,
incidental, indirect, punitive, or special losses or damages, or
any damages to your data or profits, whether in contract,
negligence or other tortious action) in connection with or arising
from your use of the Site, or from your inability to use the Site,
or from any errors or omissions in the Contents and Materials,
and/or functions of the Site, even if OFG has been advised of the
possibility of such errors or omissions.
You acknowledge that OFG, together with its agents, directors,
employees, officers and shareholders, is not liable for any delays,
defects, deletions, failures, errors, inaccuracies, interruptions,
omissions, viruses, communication line failures, or for any theft,
destruction, damage or unauthorized access to your computer system
or network, arising from your use of the Site.
You acknowledge that OFG is not liable for any defamatory,
offensive or illegal Conduct or Material found in connection with
the Site, including such conduct or material transmitted by any
means by any other person.
You accept that the Contents and Materials on the Site regarding
or relating to OFG, its products and services, and any third-party
contents, materials, products and services on the Site, are
provided on an 'As Is', 'As Available', and 'With All Faults'
basis.
You accept that the Site, the Contents and Materials on the Site,
and any products or services offered on the Site, are provided
without warranties of any kind either express or implied. In
particular, and without limitation, OFG makes no representations or
warranties that the Contents and Materials on the Site, and any
products or services offered on the Site, are accurate, compatible
with your computer system, complete, correct, error-free, reliable,
of satisfactory quality, secure, timely, that they will be provided
in an uninterrupted manner, or that the Site or the servers that
make the Contents and Materials available are free of viruses, bugs
or any other contaminating or destructive agent, or that any
defects on the Site will be corrected. OFG makes no representations
or warranties, either express or implied, of title,
merchantability, and non-infringement.
OFG disclaims all duties or warranties pertaining to the fitness
of the Site for a particular purpose and expressly states that the
Site is not intended to be relied upon by users in relation to any
investment decisions whatsoever. Appropriate independent advice
should be sought before taking any such decision.
Indemnity
You agree to defend, indemnify and hold harmless OFG, together
with its agents, directors, employees, officers and shareholders,
immediately on demand, from and against any and all liabilities,
costs, claims, damages and expenses (including reasonable
attorney's fees and costs, and including without limitation, any
consequential, direct, exemplary, incidental, indirect, punitive,
or special losses or damages) caused or alleged to be caused in
connection with your use of the Site, your failure to use the Site,
your breach or alleged breach of the Terms or your breach or
alleged breach of the copyright, trademark, proprietary or other
rights of third-parties.
You agree to cooperate as fully as reasonably required in OFG's
defence of any claim. OFG reserves the right, at its own expense,
to assume the exclusive defence and control of any matter otherwise
subject to indemnification by you, and you shall not in any event
settle any matter without the written consent of OFG.
Location
OFG makes no representation that the Contents and the Materials,
or products or services offered on the Site are appropriate or
available for use in any particular country or location. If you
choose to access the Site, you do so on your own initiative and are
responsible for compliance with local laws, if and to the extent
local laws are applicable.
Links and Third-Party Indemnity
If you create hypertext links to the Site, you must not
represent in any way, expressly or by implication, that you have
received the approval, endorsement, recommendation, sponsorship or
support of the Site or OFG, including its agents, directors,
employees, officers or its shareholders.
The Site may contain links to third-party websites. Where
possible, OFG will make these links clear, although third-party
Sites may be co-branded with OFG. If OFG has provided links or
pointers to third-party websites, no inference or assumption should
be made and no representation should be implied that OFG is
connected with, operates or controls those websites. OFG has no
obligation to provide links to any particular third-party websites,
and once provided, may discontinue such links, at its sole and
absolute discretion.
OFG disclaims any responsibility for the accuracy, availability,
completeness, copyright compliance, decency, legality, relevancy,
reliability, validity, or any other aspect of the information,
contents, materials, products, or services, found on sites that
link to, or from, the OFG Site, including third-party sites that
are co-branded with OFG. OFG cannot ensure that you will be
satisfied with any products or services that you purchase from any
third-party site that links to, or from, the Site, or any products
or services provided by a third-party on the Site. OFG does not
make any representations or warranties as to the security of any
information (including, without limitation, credit card and other
personal information) you might be requested to give any
third-party, and you hereby irrevocably waive any claim against OFG
with respect to such third-party information, products or services.
Any arrangements between yourselves and any third-party named on
the Site are at your sole risk and responsibility, and you agree
not to hold OFG liable for any losses or damages of any sort,
including without limitation any consequential, direct, exemplary,
incidental, indirect, punitive, or special losses or damages,
caused or alleged to be caused in connection with your use of any
such third-party information, products or services.
Sub-Site Access
When you enter any sub-site accessible through the Site, whether
it is provided by OFG or by a third-party, such sub-site may have
its own terms and conditions of use which are specific to itself.
When you access, browse, or use the Site you accept, without
limitation or qualification, the Terms, and also any additional
terms and conditions of use set forth in any sub-site.
Copyright, Intellectual Property, and
Restrictions on Use
All Contents and Materials on the Site are the property of OFG,
unless owned by a third-party. All Contents and Materials on the
Site are protected under the copyright, trademark and other
intellectual property laws of the European Union, the United
Kingdom, the United States of America, and other countries, and
other international conventions. Any unauthorized use of the
Contents and Materials may violate copyright laws, trademark laws,
the laws of privacy and publicity, and certain civil and criminal
statutes, and may give rise to civil and/or criminal prosecution
and penalties.
You acknowledge that by making any proprietary logos, service
marks, and trademarks, available on the Site, OFG is not granting
you any license to utilize these proprietary logos, service marks,
or trademarks.
You may not broadcast, copy, distribute, duplicate, exchange,
exhibit, modify, post, publish, redistribute, reproduce, republish,
sell, transmit or otherwise use the Contents and Materials on the
Site except that you may download one copy of the Contents and
Materials on any single computer for your personal, non-commercial
use only, provided that (1) you keep intact and do not remove any
copyright, proprietary or trademark notices or other notices that
go with any Contents and Materials, (2) you make no modifications
to the Contents and Materials, (3) you do not use the Contents and
Materials in a manner that suggests an association with any OFG
products, services, or brands, and (4) you do not download
quantities of Contents and Materials to a database for any reason.
Nothing contained in these Terms shall be construed as conferring
by implication, estoppel or otherwise any licence or right to use
any copyright, design right, patent, or trademark of OFG. None of
the Contents and Materials on the Site may be used in connection
with any product or service that is not OFG's, in any manner that
is likely to cause confusion among customers, in any manner that
disparages or discredits OFG, or in any manner that otherwise
infringes OFG's intellectual property rights.
You may not do any of the above for any business, commercial, or
public purpose. You agree not to assist or facilitate any
third-party to do the same. The use of Contents and Materials from
the Site on any other website or networked computer environment, or
in any publication, is prohibited unless you have obtained the
prior written consent of OFG, or unless it is expressly permitted
by the Site. If you download any software of any form from the
Site, you may not de-compile, reverse engineer, disassemble, or
otherwise reduce the software to a human-readable form.
From time to time, you may be able to download publications from
this Website, for free or for a fee. The following terms and
condition of use shall apply in relation to any documents you
download from this Website. If you do not agree to these terms and
conditions, please do not download any documents from this Website,
or if you have already done so, please delete any electronic copies
and destroy any physical copies you may have. The copyright in the
documents that you may download from this Website is owned by
Oxford Finance Group, and/or its licensors. Failure to abide by the
following terms and conditions may amount to infringement of
copyright which may be actionable against you and result in a claim
for compensation against you. To download any documents from this
Website you may be required to provide details such as your name,
organisation name (if applicable) and contact details to Oxford
Finance Group. You are permitted to download and store documents
downloaded from this Website on the hard drive of your PC or laptop
computer and print out a single hard copy for your own personal
use, which may include use of this document in the course of
business or employment. Commercial exploitation of any documents
downloaded from this Website and their use, adaptation,
reproduction, dissemination and/or sale is not permitted, except
for permitted fair dealing in accordance with the Copyright
Designs and Patents Act 1988. Other than as expressly
permitted in this paragraph, or as separately agreed, you may not
disseminate or make any documents downloaded from this Website, or
any substantial or substantive part or parts thereof, publicly
available in any way to any other person, company, partnership,
organisation, government or non-governmental body or other entity.
In the event that you wish another person to have access to any
documents that are available for download from this Website, please
direct them to www.oxfordfinancegroup.com where
they can register and download their own copy.
Derivative Works
You agree not to adapt, alter or create a derivative work from
any of the Contents and Materials except for your own personal,
non-commercial use. Any other use of the Contents and Materials
requires the prior written permission of OFG. You are strictly
prohibited from creating works or materials that derive from, or
are based on, the Contents and Materials contained in the Site
(including, without limitation, fonts, icons, link buttons,
wallpaper, desktop themes, online postcards and greeting cards and
unlicensed merchandise), and from transferring such works or
materials to anybody else. This prohibition applies regardless of
whether the derivative materials are sold, bartered or given
away.
Termination
OFG reserves the right, at its sole and absolute discretion, to
terminate immediately your use of, or access to, the Site at any
time without cause and without notice to you. Upon termination, you
must cease use of the Site and destroy all materials obtained from
the Site and all copies thereof, whether made under the Terms or
otherwise.
Submissions
You agree that if you send or email any Submission to the Site,
such a Submission shall become the property of OFG. OFG shall thus
exclusively own all now-known or hereafter existing rights of every
kind and nature throughout the universe to your Submission, and is
free to use any Submission you send or email to the Site for any
purpose whatsoever, commercial or otherwise, anywhere in the world,
in any medium now known or subsequently developed, forever. In
particular, and without limitation, OFG may adapt, broadcast,
change, copy, create derivative works based on, delete, disclose,
display, distribute, post, publicly perform, publish, sell,
sub-license, transmit, or use your Submission as OFG sees
fit.
By making a Submission to the Site, you agree to give up any claim
that any use of your Submission violates any of your rights
including moral rights, privacy rights, proprietary or other
property rights, publicity rights, rights to credit for material or
ideas, or any other right, including the right to approve the way
OFG uses such material. You agree that neither you, nor any other
person or entity, is entitled to any compensation, consideration,
credit or notice whatsoever for any Submission you send or email,
and that by sending or emailing a Submission you waive the right to
make any claim against OFG, relating to Submissions, including,
without limitation, unfair competition, breach of implied contract
or breach of confidentiality. You agree and understand that OFG is
not obliged to use or disclose any Submissions, and that you have
no rights to compel such use.
By sending or emailing any Submission to OFG, you warrant that the
Submission is your own original work, that you have the right to
make the Submission available to OFG for all the purposes specified
above, that the Submission is not defamatory, and that the
Submission does not infringe any law. By submitting material to
OFG, you also indemnify OFG against all legal fees, damages and
other expenses that may be incurred by OFG as a result of your
breach of the above warranty.
If you do not want to grant to OFG the rights set out above,
please do not make any submissions to OFG.
Transmitted Material
Internet transmissions are never completely private or secure.
You understand that any message or information you send to the Site
may be read or intercepted by others, unless there is a special
notice that a particular message (for example, credit card
information) is encrypted (sent in code). Sending a message to OFG
does not cause OFG to have any special responsibility to you.
Contests
The Site may contain contests that offer prizes or that require
you to send in material or information about yourself. Each contest
has its own rules, which you must read and agree to before you may
enter.
Children
If you are under 18, you should obtain permission from your
parents or your guardian before you: 1) enter the Site; 2) email
the Site, or ask OFG to email anything to you; 3) send in any
information to the Site; 4) buy anything online from the Site; or
5) enter any contest or game on the Site that requires information
about you or offers a prize. OFG does not monitor the ages of
people who access the Site.
Jurisdiction
These Terms shall be governed by and interpreted in accordance
with English law. The parties irrevocably submit to the exclusive
jurisdiction of the English courts, but nothing in this clause
shall limit the rights of OFG (or its affiliates, heirs and
successors) to bring proceedings in any other court of competent
jurisdiction.
Questions
If you have any questions or concerns, please e-mail us.