Rate Simple Terms and Conditions

PLEASE READ THESE TERATE SIMPLE AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE RATE SIMPLE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE RATE SIMPLE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEBSITE, OR ANY PAGES THEREOF.

Disclaimer

NO WARRANTY THE INFORMATION AND MATERIALS CONTAINED IN THE RATE SIMPLE WEBSITE, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS ARE PROVIDED “AS IS.” RATE SIMPLE DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. LIMITATION OF LIABILITY IN NO EVENT WILL RATE SIMPLE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) TO THE USER AND/OR ANY THIRD PARTY, ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION, OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF RATE SIMPLE, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. THE USER’S ACCESS TO AND USE OF THE RATE SIMPLE WEBSITE, AND THE TERATE SIMPLE OF THIS DISCLAIMER ARE GOVERNED BY ALL APPLICABLE FEDERAL LAWS AND THE LAWS OF THE STATE OF CALIFORNIA, AND THE USER AGREES THAT VENUE SHALL BE LOCATED IN BEVERLY HILLS, CALIFORNIA.

General Terms of Use

Rate Simple’s website content, materials, and the information maintained on Rate Simple Website is to provide users with information about Rate Simple and RATE SIMPLE’s products and services and is directed at, and made available to, persons in the United States only. The information and material maintained on the RATE SIMPLE Website is subject to change without notice. Not all products or services described on the RATE SIMPLE Website are available in all geographic areas and other restrictions may apply. Your eligibility for a particular product or service is subject to final determination by, and the approval of, RATE SIMPLE.

No solicitation is made by RATE SIMPLE to any person to use any information, materials, products, or services in any jurisdiction where the provision of such information, materials, products, and services is prohibited by law. No Unlawful or Prohibited Use As a condition of your use of the RATE SIMPLE Website, you warrant to RATE SIMPLE that you will not use the RATE SIMPLE Website for any purpose that is unlawful or prohibited by the applicable terms Rate Simple, conditions, and notices. You may not use the RATE SIMPLE Website in any manner that could damage, disable, overburden, or impair the RATE SIMPLE Website or interfere with any other party’s use and enjoyment of the RATE SIMPLE Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the RATE SIMPLE Website, or offer, may apply in lieu of this provision.

Note that the specific Rate Simple terms and conditions explained on the web page describing a particular feature. Linked Site Statement Links to Web sites other than RATE SIMPLE Website is provided solely as pointers to information on topics that may be useful to users of the RATE SIMPLE Website, and RATE SIMPLE has no control over the content on such Websites. If you choose to link to a Website not controlled by RATE SIMPLE, RATE SIMPLE makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does RATE SIMPLE warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. RATE SIMPLE does not guarantee the authenticity of documents on the Internet. Links to non-RATE SIMPLE Web sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites

Copyright

The contents of the Rate Simple website are subject to copyright or Rate Simple and are no permitted to be duplicated or retransmitted without the express written consent of Rate Simple.

Unauthorized Use or Misuse

You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the RATE SIMPLE Website. Submissions RATE SIMPLE does not claim ownership of the materials you provide to RATE SIMPLE (including feedback and suggestions) or post, upload, input, or submit to the RATE SIMPLE website or any third-party service provider website as may be required for the loan transaction requested (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting RATE SIMPLE, and any third-party service provider used in your loan transaction permission to use your Submissions in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions.

Privacy

Rate Simple understands the requirements to safeguard your information and records from unauthorized use and discourse, please see our Rate Simple Privacy Policy.

Not Intended Personal Information About Minors

Rate Simple’s Website is intended for individuals who are at least 18 years old, of legal age to contract for a mortgage loan, as stated in Rate Simple’s Privacy Policy. We do not knowingly collect personally identifiable information or data from person(s) under the age of 18. We work to comply with all provisions of COPPA (The Children’s Online Privacy Protection Act), visit the Federal Trade Commission website for additional information. If you are the parent or legal guardian and you believe your child under 18 has provided us with information, please contact legal@ratesimple.com

Mobile Devices

Varying aspects of Rate Simple’s Services via an application for your mobile or other device, are subject to your communications carrier’s standard rates and fees may apply. Terms of this Agreement and other agreements within the application apply to your use of such application.

Rate Simple Inc, IS AN EQUAL HOUSING LENDER.

We Do Business in Accordance with the Federal Fair Housing Law

(Fair Housing Amendments Act of 1988)

It Is Illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin.

• In the sale or rental of housing or residential lots
• In advertising the sale or rental of housing
• In the financing of housing

Anyone who feels that he or she has been discriminated against may file a complaint of housing discrimination:

1-800-669-9777 (Toll Free)

1-800-927-9275 (TTY)

www.hud.gov/fairhousing

• In the provision of real estate brokerage services
• In the appraisal of housing
• Blockbusting is also illegal

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410