Terms of Use

Please read these terms carefully before using our platform. By accessing Ratespedia, you agree to be bound by these terms of use.

Effective Date: December 15, 2025

IMPORTANT LEGAL NOTICE

Before accessing or using this website ("Website") and the services provided by Ratespedia ("Company", "we", "us", or "our"), you must carefully read and accept this Terms of Use Agreement ("Agreement"). By accessing, browsing, or using this Website through any means—whether direct or indirect, including telephone, mail, text message, email, or other methods—you acknowledge that you have read, understood, and agree to be legally bound by all terms and conditions set forth herein, as well as our Privacy Policy.

THIS AGREEMENT CONTAINS MANDATORY ARBITRATION, JURY TRIAL WAIVER, AND CLASS ACTION WAIVER PROVISIONS. PLEASE REVIEW THESE SECTIONS CAREFULLY. If you do not agree to these terms, you must immediately discontinue use of this Website and our Services.

Acceptance & Scope of Agreement

This Agreement establishes the legally binding terms and conditions governing your access to and use of our Website and all products, services, tools, features, and content we provide through the Website (collectively, "Services"). Your use of this Website or Services constitutes your unconditional acceptance of this Agreement.

By using our Website or submitting any information through our Services, you represent and warrant that you have the legal capacity to enter into this Agreement and that you will comply with all applicable laws and regulations in your jurisdiction.

Service Description & Eligibility

Geographic Restrictions

Our Services are designed and intended exclusively for residents of the United States. Access from other jurisdictions may be restricted and is done at your own risk.

Services Provided

Ratespedia provides comprehensive financial rate information, comparison tools, educational resources, and related services to help consumers make informed financial decisions regarding loans, mortgages, credit products, and other financial services.

Age & Eligibility Requirements

This Website is not intended for use by minors. By using our Services, you certify and warrant that:

  • You are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater
  • You possess the legal capacity and authority to enter into binding contracts
  • All information you submit to us is accurate, truthful, complete, and current
  • You have not provided false, misleading, or fraudulent information
  • Your use of this Website and Services complies with all applicable federal, state, and local laws, regulations, and ordinances

We reserve the right to verify your age and identity at any time and to deny access to anyone who does not meet these requirements.

Electronic Communications Consent

When you access, browse, or use our Website, submit forms, or send communications to us through any electronic means, you are communicating with us electronically. By doing so, you expressly consent to receive electronic communications from us.

You acknowledge and agree that all agreements, notices, disclosures, terms, policies, and other communications that we provide to you electronically—whether via email, text message, our Website, or other electronic delivery methods—satisfy any legal requirements that such communications be provided in writing.

This consent applies to all communications regarding your use of our Services, account updates, promotional materials, service announcements, legal notices, and any other information we deem necessary or appropriate to communicate to you.

Anti-Spam Policy & Marketing Practices

We are committed to maintaining ethical and legal marketing practices. We take all commercially reasonable measures to prevent unsolicited bulk email (spam) and unauthorized marketing communications.

If you believe you have received unwanted or unsolicited marketing communications from us or our partners, please contact us immediately at unsubscribe@ratespedia.com and we will promptly remove you from our marketing lists and investigate the matter.

We reserve the right to immediately terminate any marketing partnership or service agreement if we determine that a partner is engaging in spam activities, violating anti-spam laws, or otherwise conducting unethical marketing practices.

Prohibited Uses & Conduct

You agree not to use this Website or our Services for any unlawful purpose or in any manner that violates this Agreement. The following activities are strictly prohibited:

Illegal or Harmful Content

Transmitting, uploading, posting, or distributing any content that is unlawful, harmful, harassing, abusive, threatening, tortious, defamatory, libelous, vulgar, obscene, sexually explicit, profane, hateful, racially or ethnically offensive, discriminatory, or invasive of another's privacy or publicity rights.

Intellectual Property Infringement

Violating, infringing, or misappropriating any intellectual property rights, including copyrights, trademarks, patents, trade secrets, or proprietary rights of any third party; or uploading or distributing content that you do not have the legal right to distribute under any law or contractual relationship.

System Interference & Unauthorized Access

Interfering with, disrupting, or attempting to gain unauthorized access to our Website, servers, networks, or security measures; using any automated tools, robots, spiders, scrapers, or data mining techniques without our prior written permission; or taking any action that imposes an unreasonable or disproportionately large load on our infrastructure.

Fraud & Impersonation

Engaging in fraudulent activities; misrepresenting your identity or affiliation with any person or entity; impersonating any person or entity; or concealing, disguising, or attempting to hide your identity or the origin of any content or communication.

Malicious Code Distribution

Uploading, transmitting, or distributing viruses, worms, Trojan horses, malware, spyware, ransomware, or any other malicious code or harmful computer programming designed to damage, interfere with, intercept, or expropriate any system, data, or personal information.

Unauthorized Monitoring or Copying

Using any manual or automated process, tool, or device to monitor, copy, scrape, or reproduce our Website, content, or services without our express written authorization; or reverse engineering, decompiling, or disassembling any portion of our Website.

Violation of any of these prohibitions may result in immediate termination of your access to our Services, legal action, and referral to law enforcement authorities.

Intellectual Property Rights

Ownership

All content, materials, features, functionality, and intellectual property available on or through our Website, including but not limited to text, graphics, logos, images, software code, designs, audio, video, data compilations, and the overall "look and feel" of the Website (collectively, "Website Content"), are owned by Ratespedia, our licensors, or other content providers.

The Website Content is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. All rights not expressly granted to you in this Agreement are reserved by Ratespedia and our licensors.

Limited License to Users

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website and Website Content solely for your personal, non-commercial purposes.

You may print or download individual screens or pages from the Website solely for your personal, non-commercial use or records, provided that all copyright notices, trademarks, logos, and other proprietary legends remain intact and are not removed, altered, or obscured.

Prohibited Uses of Content

Except as expressly permitted in this Agreement, you may not:

  • Modify, copy, reproduce, republish, upload, post, transmit, distribute, or create derivative works from Website Content
  • Use Website Content for any commercial purpose or for public display, performance, sale, or rental
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices from Website Content
  • Frame or link to the Website in any manner that implies affiliation, endorsement, or sponsorship without prior written consent
  • Use any automated system or software to extract or index data from the Website (scraping)

Any unauthorized use, modification, reproduction, or distribution of Website Content may violate copyright, trademark, and other laws and is strictly prohibited. Violators will be prosecuted to the fullest extent of the law.

Security Violations

Any unauthorized attempt to modify our Website, circumvent security features, access restricted areas, interfere with proper operations, or use the Website for purposes other than those intended is strictly prohibited and may constitute a violation of federal and state computer crime laws.

Disclaimer of Warranties

PLEASE READ THIS SECTION CAREFULLY

THE WEBSITE, SERVICES, AND ALL CONTENT ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OR GUARANTEES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, CURRENTNESS, QUALITY, SUITABILITY, AVAILABILITY, OR OPERATION OF OUR WEBSITE, SERVICES, OR CONTENT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, OR PERFORMANCE OF THE SERVICES
  • WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
  • WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES
  • WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF OUR WEBSITE AND SERVICES IS ENTIRELY AT YOUR OWN RISK AND DISCRETION. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE AND VERIFY THE ACCURACY, COMPLETENESS, AND RELIABILITY OF ANY INFORMATION, CONTENT, PRODUCTS, OR SERVICES OBTAINED THROUGH OUR WEBSITE.

WE DO NOT WARRANT THAT THE WEBSITE OR SERVICES WILL BE FREE FROM VIRUSES, WORMS, TROJAN HORSES, MALWARE, RANSOMWARE, OR OTHER HARMFUL OR DESTRUCTIVE CODE. YOU ARE RESPONSIBLE FOR IMPLEMENTING APPROPRIATE SAFEGUARDS, SECURITY MEASURES, AND ANTIVIRUS PROTECTION FOR YOUR DEVICES AND DATA.

WE ARE NOT RESPONSIBLE FOR ANY ERRORS, OMISSIONS, INACCURACIES, OR DELAYS IN CONTENT OR INFORMATION; TECHNICAL MALFUNCTIONS, INTERRUPTIONS, OR FAILURES; UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR ANY OTHER ISSUES THAT MAY OCCUR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES, WHETHER CAUSED BY US, OUR SERVICE PROVIDERS, OR THIRD PARTIES.

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, some of the above exclusions may not apply to you, and our liability will be limited to the maximum extent permitted by applicable law.

Limitation of Liability

LIMITATION OF DAMAGES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RATESPEDIA, ITS PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, PARTNERS, LICENSORS, SERVICE PROVIDERS, CONTRACTORS, AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, "RATESPEDIA PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO:

  • INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including loss of profits, revenue, business opportunities, data, goodwill, use, or other intangible losses
  • DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE WEBSITE OR SERVICES, whether based in contract, tort (including negligence), strict liability, warranty, or any other legal theory
  • DAMAGES RESULTING FROM ANY CONDUCT OR CONTENT OF THIRD PARTIES, including defamatory, offensive, illegal, or inappropriate conduct of other users or third parties
  • DAMAGES FROM UNAUTHORIZED ACCESS, USE, OR ALTERATION of your transmissions, data, or account
  • DAMAGES ATTRIBUTABLE TO ERRORS, OMISSIONS, INTERRUPTIONS, DELETIONS, DEFECTS, DELAYS, OR INACCURACIES in the Website, Services, or Content
  • DAMAGES FROM VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS that may infect your computer equipment or data

THIS LIMITATION APPLIES EVEN IF RATESPEDIA PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, OR OTHERWISE.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE LIABILITY OF RATESPEDIA PARTIES SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE OR SERVICES, OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE AND SERVICES.

Time Limitation on Claims

You agree that any claim or cause of action arising out of or related to your use of the Website or Services must be filed within one (1) year after the cause of action accrues. Otherwise, such claim or cause of action is permanently barred and waived.

Release of Claims

BY USING OUR WEBSITE AND SERVICES, YOU HEREBY RELEASE, WAIVE, DISCHARGE, AND COVENANT NOT TO SUE RATESPEDIA AND ITS AUTHORIZED SERVICE PROVIDERS, ALONG WITH EACH OF THEIR RESPECTIVE PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, PARTNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, INFORMATION PROVIDERS, SUCCESSORS, AND ASSIGNS, FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, LAWSUITS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, COSTS, EXPENSES, LEGAL FEES, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, DISCLOSED OR UNDISCLOSED, CONTINGENT OR ABSOLUTE, WHICH NOW EXIST OR MAY HEREAFTER ARISE, AND WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE WEBSITE, SERVICES, OR THIS AGREEMENT.

THIS RELEASE INCLUDES, WITHOUT LIMITATION, ANY CLAIMS BASED ON THE CONDUCT, ACTS, OR OMISSIONS OF RATESPEDIA PARTIES, WHETHER INTENTIONAL, NEGLIGENT, OR OTHERWISE, AND WHETHER ARISING UNDER CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.

Arbitration Agreement & Dispute Resolution

MANDATORY BINDING ARBITRATION - READ CAREFULLY

This section contains important provisions that significantly affect your legal rights, including your right to file a lawsuit in court and your right to have a jury hear your claims. Please review this arbitration provision carefully.

BY USING OUR WEBSITE OR SERVICES, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION INSTEAD OF COURT LITIGATION. DO NOT ACCESS OR USE OUR SERVICES IF YOU DO NOT AGREE TO THESE ARBITRATION TERMS.

Agreement to Arbitrate

You and Ratespedia mutually agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement, your use of the Website or Services, your relationship with Ratespedia, or any previous versions of this Agreement shall be resolved exclusively through final and binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) in accordance with its Consumer Arbitration Rules, rather than in court, except as expressly provided below.

The Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA"), governs the interpretation and enforcement of this arbitration provision. This arbitration agreement evidences a transaction involving interstate commerce, and the FAA shall apply to the fullest extent possible.

Exceptions to Arbitration

The following types of disputes are not subject to mandatory arbitration:

  • Claims brought in small claims court, provided the claim is under $1,000 and otherwise qualifies for small claims court jurisdiction
  • Claims of defamation or violation of publicity or privacy rights
  • Claims alleging violations of the Computer Fraud and Abuse Act
  • Claims for infringement or misappropriation of patents, copyrights, trademarks, or trade secrets

Class Action Waiver

YOU AND RATESPEDIA AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR MASS ACTION.

Unless both you and Ratespedia expressly agree otherwise in writing, the arbitrator may not consolidate more than one person's or party's claims and may not preside over any form of class, collective, consolidated, or representative proceeding.

The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that individual party's claim. Any relief awarded cannot and will not affect other users or parties.

Arbitration Procedures

Arbitration is less formal than litigation in court. There is no judge or jury in arbitration. Instead, disputes are decided by a neutral arbitrator. Court review of an arbitration award is extremely limited. However, an arbitrator can award the same individual damages and relief that a court can award to an individual, and the arbitrator must apply the terms of this Agreement in the same manner that a court would.

Arbitrator Authority

The arbitrator, and not any federal, state, or local court or administrative agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement or any portion thereof, including any claim that all or part of this Agreement is void or voidable.

Arbitration Administration

The arbitration will be conducted by JAMS under its Consumer Arbitration Rules, as modified by this Agreement. The JAMS rules and fee schedules are available at www.jamsadr.com.

Hearing Location & Format

The arbitration shall be held in a mutually agreed upon location. If the value of relief sought is $10,000 or less, either party may elect to conduct the arbitration by telephone, video conference, or based solely on written submissions. The arbitrator has discretion to require an in-person hearing if circumstances warrant. Attendance at any in-person hearing may be made by telephone or video conference unless the arbitrator requires otherwise.

Applicable Law

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Arizona, including recognized principles of equity, without regard to conflicts of law provisions. The arbitrator will honor all applicable statutes of limitations and claims of privilege recognized by law. The arbitrator is not bound by rulings in prior arbitrations involving different users, but may be bound by prior rulings involving the same user to the extent required by applicable law.

Award Finality

The arbitrator's award shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator must provide a written reasoned decision explaining the basis for the award.

Costs of Arbitration

Payment of all filing, administration, case management, and arbitrator fees will be governed by JAMS rules and fee schedules, unless otherwise stated in this arbitration agreement. Each party is responsible for their own attorney's fees and costs unless the arbitrator awards such fees and costs to the prevailing party as permitted by applicable law. You may obtain information about JAMS fees and costs by visiting the JAMS website.

Severability of Arbitration Provision

If any portion of this arbitration agreement is found to be invalid, unenforceable, or illegal (except for the "Class Action Waiver" section), the remaining portions shall remain in full force and effect.

Exception: If the "Class Action Waiver" section is found to be invalid, unenforceable, or illegal, then the entirety of this arbitration agreement shall be null and void, and the dispute must be resolved in court. In such case, both you and Ratespedia agree that jurisdiction and venue shall lie exclusively in the state and federal courts located in Maricopa County, Arizona.

Changes to Arbitration Agreement

Notwithstanding any other provision in this Agreement, you and Ratespedia agree that if we make any future change to this arbitration agreement (other than changes to notice addresses or website links), that change shall not apply to any claim, dispute, or controversy that was filed in a legal proceeding against us prior to the effective date of the change.

Any changes to this arbitration agreement shall apply to all other disputes or claims governed by this provision that have arisen or may arise between you and Ratespedia. We will notify you of material changes to this arbitration agreement by posting the amended terms on our Website at least thirty (30) days before the effective date and/or by sending you an email notification.

SUMMARY OF YOUR ARBITRATION RIGHTS

  • You give up your right to have disputes heard by a judge or jury in court
  • You give up your right to participate in or bring class action lawsuits
  • You give up your right to participate in class-wide arbitration
  • Discovery and appeal rights may be more limited in arbitration than in court
  • Your rights will be determined by a neutral arbitrator, not a judge or jury
  • Arbitration awards are final and binding with very limited exceptions for appeal

Indemnification

You agree to defend, indemnify, and hold harmless Ratespedia and all Ratespedia Parties from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees and court costs), and other charges arising from or related to:

  • Your use or misuse of the Website or Services
  • Your violation of this Agreement or any applicable law, regulation, or third-party right
  • Your content or any content submitted through your account
  • Any negligent or wrongful conduct by you or anyone using your account
  • Any infringement by you of any intellectual property or other rights of any person or entity

We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you. In such event, you shall cooperate with us in asserting any available defenses.

Termination & Suspension

Termination by You

You may terminate this Agreement at any time by discontinuing use of the Website and Services and, if applicable, closing any account you have created.

Termination by Us

We reserve the right, in our sole discretion and without prior notice or liability, to:

  • Terminate, suspend, or restrict your access to the Website or Services for any reason or no reason
  • Terminate this Agreement if you breach or violate any provision of this Agreement or our Privacy Policy
  • Modify, suspend, or discontinue the Website or any features, functionality, or content at any time
  • Refuse service to anyone for any lawful reason

Grounds for termination may include, but are not limited to: violation of this Agreement; fraudulent, harassing, or illegal activity; provision of false information; engaging in conduct that we determine is inappropriate or harmful to us, other users, or third parties; or any other reason we deem appropriate in our sole discretion.

Effect of Termination

Upon termination, your right to use the Website and Services immediately ceases. All provisions of this Agreement which by their nature should survive termination shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnification, limitations of liability, dispute resolution, and governing law.

Governing Law & Jurisdiction

This Agreement and your use of the Website and Services shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

To the extent that arbitration does not apply to a particular dispute (as provided in the Arbitration Agreement section), you agree that any legal action or proceeding arising out of or relating to this Agreement or the Website shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you irrevocably consent to the personal jurisdiction and venue of such courts.

Entire Agreement & Integration

This Agreement, together with our Privacy Policyand any other legal notices or policies published by us on the Website, constitutes the entire agreement between you and Ratespedia concerning your use of the Website and Services, and supersedes all prior or contemporaneous agreements, understandings, negotiations, representations, and proposals, whether written or oral.

You may also be subject to additional terms and conditions that apply when you use or purchase certain third-party services, affiliate services, third-party content, or third-party software through our Website.

Modifications to Agreement

We reserve the right to modify, amend, or update this Agreement at any time in our sole discretion. Changes will be effective immediately upon posting the revised Agreement on this page, as indicated by the updated "Effective Date" at the top of this document, unless otherwise specified.

We encourage you to review this Agreement periodically to stay informed of any changes. Your continued use of the Website or Services following the posting of changes constitutes your binding acceptance of such changes.

If we make material changes that significantly affect your rights or obligations, we may provide additional notice through prominent placement on our Website, email notification (if we have your email address), or other appropriate means, as required by applicable law.

Miscellaneous Provisions

Waiver

No waiver by Ratespedia of any term or condition of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.

Severability

If any provision of this Agreement is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be reformed to the extent necessary to make it valid and enforceable while preserving its intent, or if not possible, shall be severed from this Agreement.

Assignment

This Agreement and any rights and licenses granted hereunder may not be transferred or assigned by you without our prior written consent, but may be assigned by Ratespedia without restriction. Any attempted transfer or assignment by you in violation of this provision shall be null and void.

Force Majeure

Ratespedia shall not be liable for any failure or delay in performance under this Agreement due to causes beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Headings

The section headings in this Agreement are for convenience only and have no legal or contractual effect. They do not define, limit, or describe the scope or extent of any provision.

Interpretation

The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against any party. Use of the singular includes the plural and vice versa. The words "include" and "including" are not limiting.

Contact Information

If you have any questions, concerns, or comments regarding this Terms of Use Agreement, please contact us:

Ratespedia

Email: legal@ratespedia.com

General Inquiries: info@ratespedia.com

Phone: (855) 942-RATE

We will make reasonable efforts to respond to your inquiry in a timely manner.

Acknowledgment: By using this Website or our Services, you acknowledge that you have read, understood, and agree to be bound by this Terms of Use Agreement and our Privacy Policy. If you do not agree to these terms, you must not access or use our Website or Services.

Last Updated: December 15, 2025