Terms of Use

These Terms of Use are effective as of 8/9/2024.

Please read these OceanFirst Bank, N.A. (“Company”) Terms of Use. By visiting this website, mobile apps, and other online services provided by OceanFirst, collectively “Services”, the User agrees with the terms set for in this Agreement. “User” refers to the person or entity accessing the Services of the Company. These terms and any additional terms and policies referenced by the Services apply to all users of the site. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE OR USE ANY SERVICES.

The use of “OceanFirst,” “we,” “us,” and “our” in this Agreement and Company website refers to OceanFirst Bank, N.A., its affiliated companies, contractors, and service providers engaged by the Company. The use of “you” refers to the User. OceanFirst Bank offers these Services to the User conditioned upon acceptance of all terms, conditions, policies and notices stated here.

1. GENERAL

   By agreeing to these Terms, you represent that you are at least the age of majority in your state or country of residence, or that you are the age of majority in your state or country of residence and you have given us your consent to allow any of your minor dependents to use this site.

   We reserve the right to refuse service to anyone for any reason at any time.

   The failure of us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

   See applicable Fee Schedule or other Terms for information regarding product specifics or fees.

   These Terms and any policies or operating rules posted by us on this site or in respect to the Services constitutes the entire agreement and understanding between you and us and governs your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Use). Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

2. TRANSMISSIONS TO THIS WEBSITE

   You understand that any non-secured submission by you, including, but not limited to, emails, forms, chats, surveys, and interactive tools, may be transferred unencrypted and involve (a) transmissions over various networks; and (b) may be intercepted by malevolent actors.

3. CONSENT TO THIRD PARTY SERVICES IN SUPPORT OF THE SERVICES

   You understand and agree that certain Services made available to you require the use of third-party service providers to OceanFirst. You understand and agree that OceanFirst may share your personal information with these service providers in order to provide such Services to you, including but not limited to the identify verification and fraud detection functionality of the Services. You specifically consent to and authorize these third-party service providers to use your personal information and data generated through your use of the Services to improve their databases and the functionalities that they provide to OceanFirst; you understand and agree that these improved databases and functionalities may be used to benefit third parties not party to this agreement (i.e., that the service provider may use your data to improve their overall identify verification and fraud detection capabilities that they deploy to all their customers). You understand that, other than the service provider’s use of your data to enhance their offerings, your personal information will not be used, shared, or disclosed outside the limits otherwise imposed by federal law.

4. INTELLECTUAL PROPERTY

   Except where otherwise expressly noted, all contents of Services, including the graphics, icons and overall appearance of the Services, are the sole and exclusive property of OceanFirst. You agree not to reproduce, duplicate, download, copy, sell, resell or exploit any portion of the Service, use of the Services, or access to the Services or any contact on the website through which the Services are provided, without express written permission by us.

5. MODIFICATIONS TO THE SERVICE

   We reserve the right at any time to modify or discontinue a Service (or any part or content thereof) without notice.

   We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of these Services.

6. OPTIONAL TOOLS

   We may provide you with access to third-party tools over which we neither monitor nor have any control, nor input. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

   Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

   We may also, in the future, offer new Services and/or features through the website (including, the release of new tools and resources). Such new features and/or Services shall also be subject to these Terms.

7. THIRD-PARTY LINKS

   Links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or Services of third-parties.

   We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

8. USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

   With or without a request from us, if you send certain submissions (for example contest entries), creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you submit to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

   We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms.

   You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

9. ERRORS, INACCURACIES AND OMISSIONS

   Occasionally there may be information on our site or in Services that contain typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, and availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel transactions if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have sent your submission).

   We undertake no obligation to update, amend, or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

10. PROHIBITED USES

    In addition to other prohibitions as set forth in the Terms, you are prohibited from using the site or its content:

    (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;

    (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

11. DISCLAIMER OF WARRANTIES

    We do not guarantee, represent, or warrant that your use of our Services will be uninterrupted, timely, secure or error-free. We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.

    You agree that from time to time we may remove the Services for indefinite periods of time or cancel the Services at any time, without notice to you.

    You expressly agree that your use of, or inability to use, the Services is at your sole risk. The Services and all products and services delivered to you through the Services are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied.

12. LIMITATION OF LIABILITY

    IIn no case shall the Company, our Directors, officers, employees, affiliates, agents, contractors, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Services or any products procured using the Services, or for any other claim related in any way to your use of the Services or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Services or any content posted, transmitted, or otherwise made available via the Services, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

13. INDEMNIFICATION

    You agree to indemnify, defend and hold harmless OceanFirst Bank and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

14. SEVERABILITY

    In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms, such determination shall not affect the validity and enforceability of any other remaining provisions.

15. GOVERNING LAW

    These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the State of New Jersey without regard to the conflict of laws thereof, and to the laws of the United States of America.

    Disputes arising from the use of this website shall be exclusively subject to the jurisdiction of any federal or state court of New Jersey.

16. CHANGES TO TERMS OF USE

    You can review the most current version of the Terms at any time at oceanfirst.com.

    We reserve the right, at our sole discretion, to update, change or replace any part of these Terms by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms constitutes acceptance of those changes.