Effective Date: August 1, 2025
Welcome to TheMortgageMonitor.com (“Website” or “Site”), operated by O2 Mortgage LLC dba Oxygen Mortgage (“O2 Mortgage,” “we,” “our,” or “us”).
By accessing or using this Website, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you should not use this Website.
This Website and its contents are intended for lawful purposes only. You agree not to:
Use the Website in violation of any applicable laws or regulations
Misrepresent your identity or provide false information
Attempt to gain unauthorized access to our systems or data
Use automated tools, bots, or scraping technologies without prior consent
Transmit malware, viruses, or other harmful code
All content on TheMortgageMonitor.com is provided for informational and educational purposes only.
Not Financial Advice: The information on this Website does not constitute financial, mortgage, or investment advice.
Not Legal Advice: Nothing on this Website should be interpreted as legal advice.
Professional Guidance: You should always consult qualified financial, legal, or tax professionals before making any decisions regarding mortgages, loans, or other financial matters.
The Website may include tools, resources, calculators, or links to third-party websites. We do not control or endorse these third-party services and are not responsible for their accuracy, availability, or practices. Your use of third-party resources is at your own risk and subject to their terms and policies.
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using TheMortgageMonitor.com, you consent to the practices described in the Privacy Policy.
View Privacy Policy → https://themortgagemonitor.com/privacy-policy
If you submit any information, forms, applications, or inquiries through the Website, you agree that:
All information you provide is accurate and complete.
We may use the submitted data to process inquiries, evaluate mortgage eligibility, and communicate with you.
By providing contact information, you consent to receive phone calls, emails, or text messages from us and/or our authorized partners, as allowed by law.
By using the Website, you agree that we may communicate with you electronically, including via email, text, or website notifications, regarding your inquiries or related services. You may opt out of marketing communications at any time.
O2 Mortgage LLC operates in compliance with applicable federal and state mortgage regulations. Please note:
Equal Housing Opportunity: O2 Mortgage is an Equal Housing Lender. We do not discriminate based on race, color, religion, sex, handicap, familial status, national origin, or any other protected class.
Licensing Information: Equal Opportunity Lender | NMLS# 2247462 Illinois Residential Mortgage Licensee For more information see the Nationwide Multistate Licensing System (NMLS) or the Illinois Department of Financial and Professional Regulation (IDFPR)
To the maximum extent permitted by law, O2 Mortgage LLC, its affiliates, officers, directors, employees, and agents shall not be liable for:
Any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website
Errors, inaccuracies, or omissions in the Website’s content
Unauthorized access to or use of your information
Interruptions, bugs, viruses, or other harmful components transmitted via the Website
Your sole remedy for dissatisfaction with the Website is to stop using it.
Any loan calculators, rate estimators, mortgage tools, or related resources on this Website are for informational purposes only. Use of these tools does not guarantee loan approval, interest rates, or specific financial outcomes. All loan approvals are subject to full underwriting and verification.
You agree to indemnify, defend, and hold harmless O2 Mortgage LLC and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, or expenses (including attorney’s fees) arising from your use of the Website or your violation of these Terms.
These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles.
Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Colorado, and you consent to the jurisdiction of those courts.
We reserve the right to update or modify these Terms at any time without prior notice. The “Last Updated” date at the top of this page reflects the most recent changes. Your continued use of the Website after changes are posted constitutes acceptance of those changes.
If you have any questions about these Terms or the Website, you may contact us at:
O2 Mortgage LLC dba Oxygen Mortgage
Attn: Legal Department
3800 Arapahoe Ave., Suite 210, Boulder, Colorado 80303
Email: info@themortgagemonitor.com
Phone: +1-720-308-0055
