RateRoots Terms of Use Agreement

1. Acceptance of This Agreement

These Terms of Use (“Agreement”) govern your access to and use of websites, applications, tools, forms, and related services operated by RateRoots, Inc. (“RateRoots,” “we,” “us,” or “our”) (collectively, the “Platform”).

By accessing, browsing, or using the Platform, you acknowledge that you have read, understand, and agree to be bound by this Agreement, our Privacy Policy, and our Electronic Consent Agreement (each incorporated by reference). If you do not agree, you must not access or use the Platform.

2. Eligibility and Geographic Scope

The Platform is intended for individuals who are at least 18 years of age and who access the Platform from within the United States. By using the Platform, you represent and warrant that you meet these requirements.

3. Definitions

• “You” or “Your” means the individual accessing or using the Platform.
• “Platform” means the RateRoots websites, applications, forms, tools, and related services.
• “Network Partners” means independent third-party companies that may offer financial or related products or services and that may receive inquiries or information through the Platform.
• “Inquiry Form” means any form, questionnaire, or submission through which you request information, options, or potential connections related to financial products or services.

4. Role of RateRoots

RateRoots is not a lender, creditor, mortgage loan originator, broker, financial advisor, insurance producer, or agent of any consumer or provider. RateRoots does not make credit decisions, underwrite, approve, or deny applications, determine eligibility, set pricing or terms, or originate, service, or fund loans or financial products.

The Platform provides technology, educational content, and marketplace tools that allow users to explore options and be connected with independent Network Partners that may offer products or services of interest. All decisions regarding offers, eligibility, pricing, terms, and availability are made solely by Network Partners.

5. Nature of Inquiries

Submitting an Inquiry Form is not an application for credit or insurance, does not guarantee that you will receive an offer or approval, and does not obligate you to proceed with any Network Partner. Any offer or eligibility determination is conditional and subject to additional verification, application steps, and criteria established by the Network Partner.

6. Authorization to Obtain Consumer Reports and Conduct Research

By submitting an Inquiry Form, you expressly authorize RateRoots and its Network Partners to obtain consumer reports, credit profiles, and other credit-related information; verify and supplement information you provide; and conduct research to evaluate eligibility, facilitate matching, and provide relevant information or recommendations. These activities may be conducted to respond to your inquiry, facilitate potential connections, provide information about products or services, for internal analytics, quality assurance, and fraud prevention.

7. Information Sharing

You authorize RateRoots to share your information with Network Partners and their service providers. Network Partners may further share information as necessary to evaluate your inquiry, provide products or services, comply with legal obligations, or maintain records. RateRoots may also receive information from Network Partners regarding the status or outcome of inquiries for operational, compliance, analytics, and quality assurance purposes.

8. Electronic Communications

By using the Platform, you consent to receive communications electronically in accordance with the Electronic Consent Agreement, which governs notices, disclosures, documents, eligibility information, and other communications and is incorporated by reference.

9. No Professional Advice

All content and information provided through the Platform is for informational and educational purposes only. Nothing on the Platform constitutes legal, financial, tax, insurance, or investment advice. You are solely responsible for evaluating any information obtained through the Platform and for decisions you make based on that information.

10. Compensation Disclosure

RateRoots may receive compensation from Network Partners in connection with consumer inquiries. Compensation may influence which Network Partners appear or are matched, and RateRoots does not represent that all available products, services, or providers in the marketplace are included.

11. User Responsibilities

You represent that all information you provide is true, accurate, current, and complete. You agree not to misuse the Platform, interfere with its operation, or use it for unlawful purposes.

12. Intellectual Property

All content, design, text, graphics, logos, software, and other materials on the Platform are owned by or licensed to RateRoots and are protected by intellectual property laws. You may not copy, reproduce, distribute, modify, scrape, or exploit the Platform or its content without prior written permission.

13. Disclaimers

THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. RATEROOTS DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY, AND NON-INFRINGEMENT. RATEROOTS DOES NOT GUARANTEE ANY RESULT, OFFER, APPROVAL, OR OUTCOME.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RATEROOTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES. RATEROOTS’ TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). Some jurisdictions do not allow certain limitations, so some provisions may not apply to you.

15. Indemnification

You agree to indemnify and hold harmless RateRoots, its officers, directors, employees, and affiliates from any claims, losses, liabilities, damages, and expenses arising out of your use of the Platform, violation of this Agreement, or violation of applicable law.

16. Dispute Resolution and Arbitration

17. Governing Law

Except as governed by the Federal Arbitration Act, this Agreement is governed by the laws of the State of California, without regard to conflict-of-law principles.

18. Modifications

RateRoots may modify this Agreement at any time. Continued use of the Platform after changes are posted constitutes acceptance of the modified Agreement.

19. Entire Agreement and Severability

This Agreement constitutes the entire agreement between you and RateRoots regarding the Platform. If any provision is found unenforceable, the remaining provisions shall remain in full force and effect.

20. Contact Information

For questions regarding this Agreement, please contact: