USBankingRates.com takes privacy very seriously and we will never compromise the
privacy of our customers. In order to be an effective intermediary we do need to collect certain contact and
financial information. We require the submission of certain information to ensure an effective match within
our network of financial professionals. We require consumers to provide us with their name, contact information,
financial information and specifics regarding their financial needs.
We are committed to using state of-the-art technology in order to protect the consumer’s personal and financial information. We do not require consumers to submit sensitive information such as driver’s license, social security, credit card or bank account numbers.
Consumers may provide additional information to financial professionals at their discretion. Once the consumer provides additional information to a financial company it is subject to those financial companies’ privacy policies. Consumers should read those policies to understand how those firms handle your information.
USBankingRates.com may notify consumers about a special offer from one of our promotional partners. You have the option to decline such offers and be removed from e-mail promotion lists at any time.
To make this request, please email info@USBankingRates.com.
We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. The information we collect may be from the following sources:
Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, physical address, email address, telephone number, desired loan amount, current mortgage balance, self-assessed property value, self-assessed credit rating, current interest rate, property type and the best time to call you).
Information you provide us when you register to receive communications from us (such as your email address).
Information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a USBankingRates.com partner.
Information submitted on our site is shared with our trusted clients based on your request. If you no longer wish to be contacted by these third parties, please contact them directly.
CONTENT LINKED TO THIS SITE
You should be aware that when you are on this site, you could be directed to other sites that are beyond our control. There are links to other sites from USBankingRates.com site pages that take you outside of our service. For example, if you click on a banner advertisement or a search result, the click may take you off the USBankingRates.com site. This includes links from lenders, brokers, advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. We reserve the right to disable links from third-party sites to the USBankingRates.com site but we make no representations concerning the content of sites linked to our site and, consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality, or nature of material contained linked to our site.
USBankingRates.com NOT RESPONSIBLE FOR INFORMATION ON SITE; WAIVER OF LIABILITY
By use of the USBankingRates.com site, you agree that USBankingRates.com shall not be responsible or liable in any manner for any of the products, services, information or other materials (collectively, “Information”) provided, displayed, made available or otherwise obtained by you as a result of your use of the USBankingRates.com site including, without limitation, any loan recommendations or quotes, agent or broker referrals, applications, pre-qualifications, approvals or rejections, loan or interest rate analyses or any other results or proceeds from the use of this site or other sites linked to, or affiliated with, this site and you hereby irrevocably waive any claims against USBankingRates.com arising out of your use of this site or other sites linked to, or affiliated with, this site. Nothing on this site is or shall be construed as an offer, acceptance, promise or other representation by USBankingRates.com to make a specific loan or that any participating lender will make any loan for any particular purpose or on specific terms.
Under no circumstances shall USBankingRates.com be liable to you or anyone else for any inaccuracies, errors or omissions, or delays with respect to any Information (or the transmission or delivery of all or any part thereof) provided, displayed, made available or otherwise obtained by you as a result of your use of the USBankingRates.com site or any other sites linked to, or affiliated with, the USBankingRates.com site or for claims, costs, losses or damages of any kind resulting or arising from the use of such Information and you hereby irrevocably waive any claims against USBankingRates.com arising out of your use of this site or other sites linked to, or affiliated with, this site. You are entirely responsible for independently verifying and approving the results, accuracy, adequacy, completeness, validity, enforceability and quality of any such Information and we do not guarantee, verify or make any representations or warranties with regard to the same.
THE INFORMATION AND MATERIALS PROVIDED ON THIS USBankingRates.com SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE INFORMATION OR MATERIALS ON OUR SITE OR ANY LINKED SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WE DO NOT WARRANT THAT THE FUNCTIONS ON OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SITE OR THE SERVERS THAT MAKE SUCH INFORMATION AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
By submitting your expression of interest, you are consenting to receive
telephone calls from our participating lenders even if you are currently on the
Do not call list. If you choose to opt-out click here or email us at
FEDERAL & STATE DO NOT CALL DISCLOSURE
We honor and respect the privacy of all consumers by insuring that an individual is not contacted if they are listed on the Federal or State Do Not Call list unless they complete our request form and ask to be contacted by our partners. The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. You can register your home or mobile phone for free. Your registration will be effective for five years. Please visit donotcall.gov for more information.
If you are interested in our services and complete a request, your information will be sent to our participating marketing partners. One or more of our marketing partners will contact you by telephone. By submitting your expression of interest, you are consenting to receive telephone calls from our participating lenders even if you are currently on the Do Not call List.
This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.
You shall not metatag, provide links to or frame www.USBankingRates.com without the prior express written permission of USBankingRates.com.
Public Forums®www.USBankingRates.com may act as a venue, through its chat rooms, “ask the rate expert”, bulletin boards and other forums (collectively, the “Forums”), allowing the public to contribute information and make statements. USBankingRates.com is not involved in the actual transmission of information and statements provided for in the Forums. As a result, USBankingRates.com does not approve or endorse any information or statements in the Forums, and you hereby acknowledge and agree that USBankingRates.com has no control over the quality, correctness, timeliness, safety, truth, accuracy or legality of any information provided for by you or any other person or entity in the Forums. You may find information posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive. Please use caution and common sense, and do not rely solely on information or statements published in the Forums. Without limiting the generality of the foregoing, and although USBankingRates.com does not regularly review information provided for in the Forums, USBankingRates.com reserves the right, but not the obligation, to remove or edit any information in the Forums.
Immediately report problems with the Forums to USBankingRates.com at abuse@USBankingRates.com
If you transmit, submit or post information to www.USBankingRates.com that is not Federally trademarked and/or copyrighted, you automatically grant USBankingRates.com and its affiliates the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). Provided that you have obtained prior written permission from USBankingRates.com to transmit, submit or post information to www.USBankingRates.com that is Federally trademarked and/or copyrighted, you automatically grant USBankingRates.com and its affiliates the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.
You shall not transmit, submit or post the following to www.USBankingRates.com:
Information that infringes USBankingRates.com’s or any third party’s copyright, patent, trademark, trade secret or other proprietary rights;
Information that violates any law, statute, ordinance or regulation;
Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to USBankingRates.com or third parties or that infringes on USBankingRates.com’s or any third party’s rights of publicity or privacy;
Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
Information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam”;
Information that is false, inaccurate or misleading;
Commercial advertisements or solicitations without written permission from USBankingRates.com; or
Federally Trademarked and/or Copyrighted information without written permission from USBankingRates.com.
USBankingRates.com’s Intellectual Property Rights®The names “USBankingRates.com”, “USBankingRates.com”, and “USBankingRates.com and design”, and USBankingRates.com’s graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of USBankingRates.com or its subsidiaries, in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without the prior express written permission of USBankingRates.com, which permission may be withheld in USBankingRates.com’s sole discretion. USBankingRates.com makes no proprietary claim to any third-party names, trademarks or service marks appearing on www.USBankingRates.com. Any third-party names, trademarks, and service marks are property of their respective owners.
The information, advice, data, software and content viewable on, contained in, or downloadable from, www.USBankingRates.com (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons, renditions and floor plans, are copyrighted by, or otherwise licensed to, USBankingRates.com or its Content suppliers. USBankingRates.com also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the “Collective Work”). All software used on www.USBankingRates.com (the “Software”) is the property of USBankingRates.com or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software.
You shall be solely responsible for any damage resulting from your infringement of USBankingRates.com’s or any third party’s intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by USBankingRates.com or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.
Your Use of the Content®You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity.
Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission of USBankingRates.com, which permission may be withheld in USBankingRates.com’s sole discretion.
You may not use any meta tags or any other “hidden text” utilizing USBankingRates.com’s name or trademarks without the express written permission of USBankingRates.com, which permission may be withheld in USBankingRates.com’s sole discretion.
Electronic Communications®When you visit www.USBankingRates.com or send email to USBankingRates.com, you are communicating with USBankingRates.com electronically. You consent to receive communications from USBankingRates.com electronically. Although USBankingRates.com may choose to communicate with you by regular mail, USBankingRates.com may also choose to communicate with you by e-mail or by posting notices on www.USBankingRates.com. You agree that all agreements, notices, disclosures and other communications that USBankingRates.com provides to you electronically satisfy any legal requirement that such communications be in writing.
Third Party Links®There may be provided on www.USBankingRates.com links to other Web sites belonging to USBankingRates.com’s advertisers, business partners, affiliates and other third parties. Such links do not constitute an endorsement by USBankingRates.com of those Web sites, nor the products or services listed on those Web sites. USBankingRates.com is not responsible for the activities or policies of those Web sites. USBankingRates.com does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. USBankingRates.com does not guarantee that the loan terms or rates offered by any particular advertiser, business partner, affiliate or other third party on www.USBankingRates.com are the best terms or lowest rates available in the market.
Copyright Infringement®It is USBankingRates.com’s policy to comply with the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws. USBankingRates.com shall in appropriate circumstances disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other
USBankingRates.com Makes No Representations or Warranties Regarding the Content®THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH WWW.USBankingRates.com ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. USBankingRates.com MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF WWW.USBankingRates.com OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH WWW.USBankingRates.com. YOU EXPRESSLY AGREE THAT YOUR USE OF WWW.USBankingRates.com AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH WWW.USBankingRates.com IS AT YOUR SOLE RISK.
USBankingRates.com DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH WWW.USBankingRates.com, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH WWW.USBankingRates.com. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH WWW.USBankingRates.com. USBankingRates.com MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM WWW.USBankingRates.com IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
Limitations on USBankingRates.com’s Liability®USBankingRates.com SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT; (II) YOUR ACCESS AND USE OF WWW.USBankingRates.com; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE WWW.USBankingRates.com FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; (V) YOUR RELIANCE UPON OR USE OF THE CONTENT OR THE COLLECTIVE WORK, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH WWW.USBankingRates.com, OR OTHERWISE ARISING OUT OF THE USE OF WWW.USBankingRates.com, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF USBankingRates.com AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.
Your Indemnification of USBankingRates.com®You shall defend, indemnify and hold harmless USBankingRates.com and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by USBankingRates.com; (iii) your access or use of www.USBankingRates.com; and/or (iv) access or use of www.USBankingRates.com under any password that may be issued to you.
Amendments of this Agreement®USBankingRates.com reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. USBankingRates.com’s last update was March 1, 20078. Your continued access and use of www.USBankingRates.com following the posting of any such changes shall automatically be deemed your acceptance of all changes.
USBankingRates.com’s Remedies®You acknowledge that USBankingRates.com may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, USBankingRates.com shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement. For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Palm Beach County, Florida, or the United States District Court, Southern District of Florida. You consent to the jurisdiction of such court and waive any objection to the laying of the venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.
THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING WWW.USBankingRates.com YOU CONSENT TO THESE RESTRICTIONS.
You and USBankingRates.com shall select the arbitrator, and if you and USBankingRates.com are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and USBankingRates.com, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Los Angeles County, California.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and USBankingRates.com and your and USBankingRates.com’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or USBankingRates.com be entitled to punitive damages and both you and USBankingRates.com hereby waive your and USBankingRates.com’s respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
Miscellaneous If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.
All covenants, agreements, representations and warranties made in this Agreement, as may be amended by USBankingRates.com from time to time, shall survive your acceptance of
If you have questions, comments, concerns or feedback regarding this Agreement or www.USBankingRates.com, please contact us via any of the methods set forth below:
Via mail: USBankingRates.com, Inc., 2381 Rosecrans Los Angeles CA 90245
Via email: info@USBankingRates.com