Terms of Use

Please read our Terms of Use carefully, since they govern the use of Shoreham Bank's website. We refer to Shoreham Bank's website as "Website" in these Terms of Use.

Access to Website
Shoreham Bank maintains this website to provide you with information about our mortgage loan products and services. From time to time we may make revisions to the Website Terms of Use. By accessing this site you indicate your acknowledgement and acceptance of our Terms of Use. If you do not agree to our Terms of Use, please do not access this site or any of the pages herein. Transmissions and communications to and from this website, even if done with the use of a secure Internet browser, may be monitored and intercepted by third parties, including firms that provide Internet security services and intrusion monitoring. Each user of this Website agrees that any information submitted to Shoreham Bank shall be and remain the property of Shoreham Bank, and that Shoreham Bank is free to use this information for any legal purpose associated with mortgage lending.

Safeguarding of Website and Protection of Information
Shoreham Bank maintains strict policies and procedures designed to protect the privacy, confidentiality and protection of all non-public personal financial information that we collect. Submission of information in applications is accorded the highest level of protection. We strictly govern access to all information on a need-to-know basis, and we maintain a comprehensive Information Security Risk Program. Shoreham Bank's use of customer information is governed by strict regulatory guidelines and includes written plans and procedures for access control, customer account protection, security breach prevention and incident response, disaster preparedness and guidelines for intrusion detection.

Information Collected in Connection with Visits to Website
When you visit our Website, Shoreham Bank may use standard website tracking software to collect non-identifying information about consumer site visits. This is done through using an information management tool referred to as a "cookie". A cookie consists of a small amount of data that is transmitted between your computer and our server whenever you click on a link within our Website. Cookies provide a way for our server to recognize a previous request made by your web browser. Cookies do not provide any personally identifiable information about you, such as your name or e-mail address, but only provide us with general information about the dates and times our site was accessed, the web browser used, and the assigned numeric Internet Protocol (IP) address of each session. This information helps to provide us with summary statistics as to the level of interest in our Website, including which products, features and web pages are the most popular with consumers.

Some of the advertisements that click-through to our website and/or may be on our website contain cookies or pixels that allow for the monitoring of your response to these advertisements (sometimes referred to as interest-based advertisements). Our advertisements may also appear on other websites that use the same advertising service providers as us. These advertising service providers may use your browsing history across websites to choose which advertisements to display to you.

Google Analytics

We use a third-party analytics service called Google Analytics to collect data about the use of our website. Google Analytics collects data such as website usage, conversion data, location data, and general information about the device used to access our website. We also use the Google Analytics Demographics and Interest Reporting Feature. These services allow us to understand the performance of our website and digital advertisements.

Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads here: www.google.com/settings/ads.

Copyright and Trademark Notice
The images, text, screens, design and web page displays appearing on this Website are owned by Shoreham Bank, or others as indicated, and are protected by law. You agree not to copy, display, distribute, download, license, sub-license, modify, repost, reproduce, reuse, sell, transmit, create any derivative work from or otherwise use for public or commercial purposes, any information or materials from Shoreham Bank's Website without the express written permission of Shoreham Bank. Unless otherwise noted, all other trademarks, service marks, and logos used on this site are the property and trademark, service mark, or logo of Shoreham Bank or others as indicated.

Each user of this Website agrees to indemnify Shoreham Bank, any affiliate or subsidiary companies, its management, employees, agents and/or directors harmless from and against all claims and expenses, including attorneys' fees, arising out of the use of this Website and the content herein.

USA Patriot Act Statement
To assist the government in prohibiting the funding of terrorism and money laundering activities, we are required to verify information that identifies each person who opens an account. When you apply for any product offered by Shoreham Bank, your name is required to be matched against a computerized list of persons wanted by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). Shoreham Bank conducts this review at the time the credit report is obtained, so as to prevent any inconvenience to consumers. We thank you for your understanding and for joining us in securing a safer tomorrow.