These Terms of Service govern your use of the website located at https://mymortgagerate.org and any related services provided by My Mortgage Rate.

By accessing https://mymortgagerate.org, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by My Mortgage Rate.

We, My Mortgage Rate, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on 8 February 2024.

Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

  • Modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website.
  • Remove any copyright or other proprietary notations from any materials and software on this website.
  • Transfer the materials to another person or "mirror" the materials on any other server.
  • Knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service My Mortgage Rate provides.
  • Use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material.
  • Use this website or its associated services in violation of any applicable laws or regulations.
  • Use this website in conjunction with sending unauthorized advertising or spam.
  • Harvest, collect, or gather user data without the user’s consent.
  • Use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

Intellectual Property

The intellectual property in the materials contained in this website are owned by or licensed to My Mortgage Rate and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.

This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by My Mortgage Rate at any time.

Disclaimer and Limitations of Liability

My Mortgage Rate provides its website and services “as is”, without any warranty of any kind, expressed or implied. This expressly includes disclaiming all warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property, or any other violation of rights. Furthermore, My Mortgage Rate does not warrant or make any representations regarding the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Under no circumstances shall My Mortgage Rate or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on My Mortgage Rate's website, even if My Mortgage Rate or a My Mortgage Rate authorized representative has been notified orally or in writing of the possibility of such damage. This includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use, or loss or corruption of data, whether it occurs under statute, contract, equity, tort (including negligence), indemnity, or otherwise.

Given the dynamic nature of the financial market and the reliance on third-party information, discrepancies can occur, and the rates and terms provided may change without notice. My Mortgage Rate's role is to facilitate access to information and tools for comparing mortgage interest rates and services, not to provide financial advice. The decision to select a mortgage product is the sole responsibility of the user, who is encouraged to consult with a financial advisor.

The limitations of liability and disclaimers provided herein apply to the fullest extent permitted by law, acknowledging that some jurisdictions do not permit 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, and you may have additional rights.

Accuracy of Materials

The materials on the My Mortgage Rate website, including tools and resources for comparing mortgage interest rates and lender services, are provided for general informational purposes only. We strive to keep the information accurate and up-to-date but cannot guarantee its completeness, reliability, or suitability for your specific needs. Users should not solely rely on the information provided on our site for making financial decisions. It is recommended to consult with financial advisors or seek additional sources of information for a comprehensive understanding. My Mortgage Rate reserves the right to update, change, or remove content at any time without notice, emphasizing our role as a facilitator in your mortgage research process rather than as a provider of financial advice.

Additional Tools

Please note that our website may include third-party tools which are outside of our control. The access to said tools is provided on an 'as is' basis with no warranties, expressed or implied, and without any endorsement. We are not liable for the use of the third-party tools provided on our website. You are solely responsible for any risks associated with using said tools, we recommend reading the relevant third-party provider’s Terms of Service. My Mortgage Rate has the right to offer new third-party tools in the future.

Links

My Mortgage Rate has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval or control by My Mortgage Rate of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Inaccuracies and Mistakes

Please note that any content available on our website may contain typographical errors, inaccuracies, or mistakes related to the service’s description and availability. We have the right to cancel or update any existing services should any information provided by us be proven inaccurate. Said information can be amended at any time without prior notice. Please note that we are not obligated to clarify any of the information related to our website and service.

Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of (1) your Contributions (2) use of the website (3) breach of these Terms of Service (4) any breach of your representations and warranties set forth in these Terms of Service (5) your violation of the rights of a third party, including but not limited to intellectual property rights or (6) any overt harmful act toward any other user of the website with whom you connected via the website.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

Right to Terminate

We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Entire Agreement

These Terms of Service and any policies or operating rules posted by us on the website or with respect to the website constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Service shall not operate as a waiver of such right or provision. These Terms of Service operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision or part of a provision of these Terms of Service is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Service and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms of Service or use of the website. You agree that these Terms of Service will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Service and the lack of signing by the parties hereto to execute these Terms of Service.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States. You irrevocably submit to the exclusive jurisdiction of the courts in that location.