Terms and Conditions

Please read the following terms and conditions carefully. They govern your access and use of this website.

By accessing or using this website, you (“the user”) agree to be bound by these terms and conditions and accept them in full, most recently updated December 2020, or as they may be modified by Millennium Financial Group (DBA Mlend), a wholly owned subsidiary of Community Heritage Financial, Inc. (for purposes of these terms and conditions the term "Mlend" includes Mlend’s affiliates, as applicable) from time-to-time and posted on this website.

Limitation of Liability.

In no event will Mlend or its subsidiaries, affiliates, contractors, or their respective employees be liable for any damages, including, without limitation, indirect, incidental, special, consequential or punitive damages, whether under a contract, tort or any other theory of liability, arising in connection with any party's use of the website or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line system failure, loss of data, or loss of use related to this website or any website operated by any third party or any contents of this website or any other website, even if Mlend is aware of the possibility of such damages.

No Warranties.

Although Mlend attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "contents") on the website, it makes no representation, endorsement, or warranty that such contents are accurate or suitable for any particular purpose. The website and its contents are provided on an "as is" basis. Use of the website and its contents are at the user's sole risk. The website and its contents are provided without any representations, endorsements, or warranties of any kind whatsoever, either express or implied, including, but not limited to, any warranties of title or accuracy and any implied warranties of merchantability, fitness for a particular purpose, or non-infringement, with the sole exception of warranties (if any) which cannot be expressly excluded under applicable law. As noted below, Mlend also makes no representations, endorsements, or warranties, either express or implied, with respect to any website operated by a third party.

Copyrights and Other Intellectual Property.

Except where otherwise expressly noted all contents of this website, including the graphics, icons and overall appearance of the website, are the sole and exclusive property of the Mlend and/or its subsidiaries or affiliates. The posting of the contents of this website neither constitutes a waiver of any of Mlend’s proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the website user or to any third party. Contents of this website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from the website.

The display of trademarks within this website does not grant a license of any kind to the reader. Any downloading of content or other material contained in the site, or of any site linked to the site may be a violation of trademark and copyright laws.

Governing Law & Venue.

These terms and conditions shall be governed by and construed in accordance with the law of the State of Maryland, 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 for the Frederick County district of the State of Maryland.

Use of Website.

Contents are included in this website solely for the personal use of website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the contents of this website without the prior written consent of Mlend, which may be withheld in its sole discretion.

Links to Other Websites.

Mlend may establish links between this website and one or more websites operated by third parties. Mlend has no control over any such other websites or the contents therein. The existence of any such links shall not constitute an endorsement by Mlend of such websites, the contents of the websites, or the operators of the websites.

Emails & Transmissions.

Except where expressly indicated otherwise, transmissions to and from this website or directed to Mlend, including e-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Mlend. Please do not use e-mail to send us communications which contain confidential information, which we may require to be in writing, or which may need our immediate attention. Please call 855.886.5363 or write us instead at this address: Mlend, 24 W. Main Street, Middletown, MD 21769, Attention: Customer Care Team. Any transmission to this website, including e-mails shall be deemed and remain the property of Mlend. Mlend shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to Mlend through this website.

Capacity to Contract.

You represent to us that you are of sound mind and are over 18 years of age, and/or that you are duly authorized and/or supervised by a parent, guardian, or employer to use this website.

Updates & Modifications.

Mlend may at any time make modifications, changes, and alterations to the contents of this website, including these terms and conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.


You will indemnify and hold Mlend, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

Equipment and Printer Requirements.

It is recommended you use the latest version of any browser. Mlend works to ensure this website is functional with the most popular web browsers available. We are not responsible for any accessibility or printing issues due to equipment or software limitations you may have. The Mlend Mortgage Portal may have application specific requirements. See product specific terms of use for details.

Service Contact.

You may contact Mlend by email by using the information on the Contact page or by phone at 855.886.5363 or by mail to Mlend, 24 W. Main Street, Middletown, MD 21769, Attention: Customer Care Team, with questions or problems with this website.

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