Last updated: March 17, 2015.
1. Eligibility; Privacy
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY "SUBMIT" OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
2. Products and Uses
Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, COMPAREINTERESTRATES.COM will share that portion of your information as may be required in order to match you with selected providers of the products and/or services that you request.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
You may explore mortgage options through COMPAREINTERESTRATES.COM. You understand that COMPAREINTERESTRATES.COM may obtain your personal information (such as your full name, address, telephone number and other information, including your social security number or date of birth) in order to establish your potential qualification for the various loan programs available through our network of lenders and to estimate the terms under which said loans may be offered to you. Lenders may include banks, thrifts and credit unions, as well as mortgage bankers and mortgage brokers. If you grant us authorization, COMPAREINTERESTRATES.COM will use your personal information to obtain and use your credit report and/or credit score on your behalf for the purpose of estimating your qualification for the loans offered in our lender network and the pricing thereof. In addition, you may find yourself at COMPAREINTERESTRATES.COM by transfer from a third party through whom you’ve requested mortgage loan referral information. COMPAREINTERESTRATES.COM does not charge you for using this mortgage loan request service however in exchange for the use of this service, you agree to talk to at least one of the members of our network, chosen by you or if not, selected for you, about your mortgage loan options. COMPAREINTERESTRATES.COM may be compensated for such service directly by the lenders themselves. By using the websites you acknowledge that COMPAREINTERESTRATES.COM does not make loans or credit decisions in connection with any product or service offered to you, does not warrant or guarantee the products or services of any Lender or any particular loan product and is not party to any discussions that you may have or agreement that you may make with any lender and the determination of whether a particular loan offer from a particular lender is appropriate for your circumstances is entirely yours. While we may not initially provide your loan request information to more than one lender (as chosen by you), we reserve the right to provide said information to other lenders as we deem fit.
COMPAREINTERESTRATES.COM is not an agent of you or any Lender and our services are purely administrative. We advise that you rely on your own judgment in deciding which available loan product, terms and lender best comports with your needs and financial means. You are under no obligation to complete a loan with any lender to which you are introduced through COMPAREINTERESTRATES.COM.
Remember, the lender is solely responsible for its products and/or services to you, and you agree that COMPAREINTERESTRATES.COM shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products and/or services. You understand that lenders may keep your loan request information and any other information provided by COMPAREINTERESTRATES.COM or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.
Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the websites. Lenders presented through our website expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the websites at any time, without prior notice.
The data and other information you may provide COMPAREINTERESTRATES.COM is not, and will not be treated as, an application for a loan or a request to be pre-approved or any similar concept. While COMPAREINTERESTRATES.COM makes every effort to ensure that the loan terms and conditions displayed on its site are an accurate reflection of the terms and conditions offered by individual lenders, COMPAREINTERESTRATES.COM does not covenant or guarantee acceptance into any particular loan program or specific loan terms or conditions with any lender; loan approval standards are established and maintained solely by individual lenders. In addition, COMPAREINTERESTRATES.COM does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market. A lender’s offer may be subject to many different variables, including but not limited to: market conditions, approval and qualification. The actual fees & rates provided by lenders may be lower or higher depending on your comprehensive credit profile, property/collateral considerations (including but not limited to location, equity and value) and asset / income consideration (including but not limited to loan to value and debt to income ratios). Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all services or products as well as not offer products in all states. You might not be matched with the lender making any specific offer.
COMPAREINTERESTRATES.COM does not originate or broker loans. However, COMPAREINTERESTRATES.COM is registered with the National Mortgage Licensing System (NMLS - ID# 138464) and in individual states. Details.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending service or product through COMPAREINTERESTRATES.COM to the lender to whom your loan inquiry is transmitted. By submitting the loan inquiry, you are extending an express invitation to the lender you are matched with to contact you by telephone or email at the numbers or addresses you have provided so they may assist you with your needs, and you hereby agree and consent to any such calls even if your phone number is on any Do Not Call or marketing suppression list, or by email at the email address you provided or at another address that may be associated with you that we receive from lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with COMPAREINTERESTRATES.COM or by doing a submission, you give COMPAREINTERESTRATES.COM permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any submission you make, you represent that all of the information you have provided in your submission and loan request is true and complete.
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at Experian must be obtained by going to Experian.com. The credit report you are requesting from COMPAREINTERESTRATES.COM is not intended to constitute the disclosure of Experian information required by the Fair Credit Reporting Act or similar state laws.
You are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:
You have been denied credit, insurance or employment in the past (60) days as a result of your credit report
You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
You are a recipient of public welfare assistance
You have reason to believe that your file at the agency contains inaccurate information due to fraud
Annually at AnnualCreditReport.com
Otherwise, the consumer reporting agency may impose a reasonable charge for the disclosure.
The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed.
Experian’s National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by COMPAREINTERESTRATES.COM. The disclosure report must be obtained directly from Experian. Consumers residing in the states of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.
Fraud Alerts are available to any eligible consumer free of charge from a national consumer reporting agency.
NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
COMPAREINTERESTRATES.COM is not a credit repair organization, and is not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Products, Product Websites, and Content in order to do so.
5. License Grants
COMPAREINTERESTRATES.COM expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.
6. Prohibited Conduct
By using the websites, you agree not to:
Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein;
submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable;
attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites;
take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;
use any robot, spider, scraper or other similar system to access the websites;
impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or
submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
7. Ownership & Proprietary Rights
The websites are owned and operated by COMPAREINTERESTRATES.COM. All content displayed on the websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the websites, all content contained on the websites is the property of COMPAREINTERESTRATES.COM and/or its third-party licensors. Except as expressly authorized by COMPAREINTERESTRATES.COM, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of such content.
8. Links to Third-Party Sites; Dealings with Third Parties
The websites may include links or references to other web sites owned or operated by third parties with which COMPAREINTERESTRATES.COM may have a relationship. COMPAREINTERESTRATES.COM has no control over such third party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk.
Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. COMPAREINTERESTRATES.COM is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
9. Termination; Exclusive Remedy
COMPAREINTERESTRATES.COM at any time, in its sole discretion, for any or no reason, and without penalty or liability, may terminate your use of the websites and terminate any session. COMPAREINTERESTRATES.COM may also in its sole discretion and at any time discontinue providing access to one or more websites. Any termination of access to the websites may be effected with or without prior notice, and COMPAREINTERESTRATES.COM will not be liable to you or to any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities.
11. No Warranty; Disclaimers
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE," "WITH ALL FAULTS" BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF COMPAREINTERESTRATES.COM OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
12. Limitation of Liability
BY YOUR USE OF ANY COMPAREINTERESTRATES.COM WEBSITE, YOU ARE AGREEING TO RELEASE AND DISCHARGE COMPAREINTERESTRATES.COM AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS AND EXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS, "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."
14. Dispute Resolution
For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, either party may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider chosen by the party seeking arbitration. The ADR provider and the parties must comply with the following rules:
the arbitration shall be conducted by telephone or online and be solely based on written submissions, the specific manner to be chosen by the party initiating the arbitration;
the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and
any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
15.1 Notice. COMPAREINTERESTRATES.COM may provide you with notices by e-mail, regular mail or postings on any website. Notice will be deemed given twenty-four hours after e-mail is sent, unless COMPAREINTERESTRATES.COM is notified that the e-mail address used is invalid. Alternatively, COMPAREINTERESTRATES.COM may give you legal notice by mail to a postal address, if provided by you through any website. In such case, notice will be deemed given three (3) calendar days after the date of mailing.
All notices to COMPAREINTERESTRATES.COM must be made in writing and e-mailed to:
27920 Meadow Drive, Suite 375
Evergreen, CO 80439
Attn: General Counsel
Any claim or dispute you may have against COMPAREINTERESTRATES.COM must be resolved by a court located in San Mateo County, Colorado, except as otherwise agreed by the parties or as described in Paragraph 13. You agree to submit to the personal jurisdiction of the courts located within San Mateo County, Colorado for the purpose of litigating all such claims or disputes.
All claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered improperly filed. Should you file a claim improperly, COMPAREINTERESTRATES.COM may recover reasonable attorneys’ fees and costs, provided that COMPAREINTERESTRATES.COM has notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
15.6 Survival. The following paragraphs shall survive termination or your refusal to continue to use the Use: 4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY
Compareinterestrates.com, LLC providers are independent entities and may choose to deliver their services electronically. Compareinterestrates.com, LLC, providers electronic communications to you may provide updates on your request and any actions taken, request that you complete or clarify certain details of your request, provide any notices required under applicable law, such as Federal Truth-in-Lending disclosures, state disclosures, other terms, conditions and documents, including privacy policies.
You agree to receive all notices, information and disclosures, and to engage electronically with Compareinterestrates.com, LLC, providers. Therefore Compareinterestrates.com, LLC, providers may communicate with you by sending emails to the email address provided with your request or to another email address which may be associated with you that we receive from providers or other parties. You agree that you are able to access and keep notices and information sent or made available to you electronically, and that you can meet the minimum technical requirements outlined below.
To access and keep notices and information sent or made available to you electronically, you must have:
· Adobe Acrobat Reader 6 or higher
· Email Access or Firefox version 1.5
· Ability to Print Internet Explorer 6 or higher
· Internet access with 128-bit encryption
· Netscape 8.04 and above (Use in IE mode)