Terms of Service

Southern Oaks Mortgage

Effective Date: 3/24/2026

Welcome to Southern Oaks Mortgage. By accessing or using our website and services, you agree to comply with and be bound by the following Terms of Service (“Terms”). Please read them carefully.

1. Use of Website and Services

This website is intended to provide information about our services and allow users to engage with OnePublish.

By using our website, you agree that you:

Are at least 18 years old
Will use the website only for lawful purposes
Will not attempt to disrupt or interfere with website functionality or security

We reserve the right to suspend or terminate access to our services for violations of these Terms.

2. No Professional Advice

All content provided on this website is for informational purposes only and should not be considered legal, financial, or professional advice.

You should consult with appropriate professionals before making decisions based on information provided by OnePublish.

3. User Information and Accuracy

When submitting information through our website (including forms, account registrations, or inquiries), you agree that:

All information provided is accurate and complete
You will update your information as necessary
Misrepresentation may result in denial of services

4. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of OnePublish and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or modify any content without prior written consent.

5. Third-Party Services and Links

Our website may contain links to third-party websites or services. These links are provided for convenience only.

OnePublish:

Does not control third-party content
Is not responsible for third-party policies or practices
Does not endorse third-party services

6. Disclaimer of Warranties

This website and services are provided on an “as is” and “as available” basis.

We make no warranties, express or implied, including:

Accuracy or completeness of information
Availability or reliability of the website
Fitness for a particular purpose

7. Limitation of Liability

To the fullest extent permitted by law, OnePublish shall not be liable for any damages arising from:

Use or inability to use the website
Errors or omissions in content
Service interruptions or delays

This includes direct, indirect, incidental, or consequential damages.

8. Privacy

Your use of our website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

9. SMS Program Terms and Conditions

OnePublish may offer an SMS (text messaging) program to provide important communications related to our services.

Description of SMS Program and Messaging Use Cases

By opting into our SMS program, you agree to receive text messages that may include:

Service updates and notifications
Appointment confirmations and reminders
Requests for information or follow-ups
Customer support communications

Message frequency may vary depending on your interaction with us.

Consent to receive SMS messages is not a condition of purchasing any goods or services.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time.

To stop receiving messages:

Text “STOP” in reply to any message

After you send “STOP,” you will receive a confirmation message and will no longer receive SMS messages unless you opt in again.

Help and Support

For assistance:

Reply “HELP” to any message
Or contact us using the information below

Message and Data Rates Disclosure

Standard message and data rates may apply to SMS messages sent or received. These charges are determined by your mobile carrier and are your responsibility.

OnePublish does not charge for SMS messages.

Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

OnePublish is not responsible for:

Message delays
Delivery failures
Network-related issues

Message delivery is subject to effective transmission by your mobile carrier and may be impacted by factors outside of our control.

10. Changes to Terms

We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised effective date.

Your continued use of our services constitutes acceptance of any changes.

11. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles.

12. Contact Information

If you have any questions regarding these Terms of Service, please contact:

Southern Oaks Mortgage
25060 Avenue Stanford, Suite 255
Valencia, CA 91355
(661) 964-2600
jeff@somloans.com