PLEASE READ CAREFULLY BEFORE USING THIS SITE
Welcome to the USMORTGAGERATES.INFO.com Web site hosted by USMORTGAGERATES.INFO (referred to herein as "we," "us," or "our") and its affiliated entities. By using this site, you acknowledge your agreement to these terms of use ("Terms of Use") set forth below. Please read the Terms of Use and, if you do not agree to them, do not use this site

SERVICE GUIDELINES
USMORTGAGERATES.INFO is a free national consumer oriented service that quickly and conveniently matches consumer borrowers with qualified lending professionals. USMORTGAGERATES.INFO is not a financial institution, mortgage banker, or broker. We do not sell mortgage products to our customers. We do not endorse or recommend any specific kind of mortgage product or company. We gather consumer contact and loan information via an online application and use this information to match borrowers with lenders. Submission of our online application constitutes acceptance to these terms of service and by doing so the borrower waives all claims. We use the information gathered through our online application to establish a borrower profile. This borrower profile is used to search our database of lenders to match the borrower with up to the four of the most appropriate lenders based on the borrower's individual financial situation. Once borrower and lender profiles are matched, the borrower's information is instantly transmitted to the lending professionals who will attempt to contact the borrower within one business day.

PRIVACY POLICY
USMORTGAGERATES.INFO takes privacy very seriously and we will never compromise the privacy of our customers. In order to be an effective intermediary we do need to collect certain contact and financial information. We require the submission of certain information to ensure an effective match within our network of lending professionals. We require borrowers to provide us with their name, contact information, financial information and specifics regarding their property and existing loans. We are committed to using state of-the-art technology in order to protect the borrower's personal and financial information. We use the most advanced encryption technology available to ensure the integrity and security of information entered into and transmitted to our servers. By using Verisign's Secure Socket Layer 128-bit encryption technology we ensure an extremely high degree of confidentiality and privacy. We do not require borrowers to submit sensitive information such as driver's license, social security, credit card or bank account numbers. Borrowers may provide additional information to lending professionals at their discretion. Once the borrower provides additional information to a lender it is subject to those lenders? privacy policies. Borrowers should read those policies to understand how those firms handle your information. USMORTGAGERATES.INFO does not distribute nor sell any personal information we gather about borrowers to any individuals or entities under any circumstances, unless we are authorized to do so. Information we do share is only within our network of lending professionals. To the extent permitted by law, we may also share your personal information if we believe it is necessary to comply with the law, to enforce or apply our Terms of Use, or to protect the rights, property, or safety of USMORTGAGERATES.INFO, our employees, affiliates, and users. We reserve the right to share information with anyone outside of our network if we are mandated to do so by law or court order. USMORTGAGERATES.INFO may share demographic data with our lenders and other third parties for market research and demographic purposes. This information is always anonymous and does not include personal identifying information. USMORTGAGERATES.INFO may notify borrowers about a special offer from one of our promotional partners only if borrowers have agreed to receive such information. We do not reveal the borrower's name, address or any other identifying information to that promotional partner unless you request us to do so. You have the option to decline such offers and be removed from e-mail promotion lists at any time. To make this request, please Contact Us. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous. We do not permit list brokers, mail-order businesses, telemarketers, or other marketing firms to contact you to promote their services or products, and we do not sell, lend, or give out your information for this purpose.

CHANGE OF TERMS OF USE
We reserve the right, at our discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Please check these terms periodically for changes. Your continued use of this site following the posting of any changes will mean you accept those changes.

CONTENT LINKED TO THIS SITE
You should be aware that when you are on this site, you could be directed to other sites that are beyond our control. There are links to other sites from USMORTGAGERATES.INFO site pages that take you outside of our service. For example, if you click on a banner advertisement or a search result, the click may take you off the USMORTGAGERATES.INFO site. This includes links from lenders, brokers, advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. We reserve the right to disable links from third-party sites to the USMORTGAGERATES.INFO site but we make no representations concerning the content of sites linked to our site and, consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality, or nature of material contained linked to our site.

USMORTGAGERATES.INFO IS NOT RESPONSIBLE FOR INFORMATION ON SITE; WAIVER OF LIABILITY
By use of the USMORTGAGERATES.INFO site, you agree that USMORTGAGERATES.INFO shall not be responsible or liable in any manner for any of the products, services, information or other materials (collectively, "Information") provided, displayed, made available or otherwise obtained by you as a result of your use of the USMORTGAGERATES.INFO site including, without limitation, any loan recommendations or quotes, agent or broker referrals, applications, pre-qualifications, approvals or rejections, loan or interest rate analyses or any other results or proceeds from the use of this site or other sites linked to, or affiliated with, this site and you hereby irrevocably waive any claims against USMORTGAGERATES.INFO arising out of your use of this site or other sites linked to, or affiliated with, this site. Nothing on this site is or shall be construed as an offer, acceptance, promise or other representation by USMORTGAGERATES.INFO to make a specific loan or that any participating lender will make any loan for any particular purpose or on specific terms. Under no circumstances shall USMORTGAGERATES.INFO be liable to you or anyone else for any inaccuracies, errors or omissions, or delays with respect to any Information (or the transmission or delivery of all or any part thereof) provided, displayed, made available or otherwise obtained by you as a result of your use of the USMORTGAGERATES.INFO site or any other sites linked to, or affiliated with, the USMORTGAGERATES.INFO site or for claims, costs, losses or damages of any kind resulting or arising from the use of such Information and you hereby irrevocably waive any claims against USMORTGAGERATES.INFO arising out of your use of this site or other sites linked to, or affiliated with, this site. You are entirely responsible for independently verifying and approving the results, accuracy, adequacy, completeness, validity, enforceability and quality of any such Information and we do not guarantee, verify or make any representations or warranties with regard to the same.

DISCLAIMER
THE INFORMATION AND MATERIALS PROVIDED ON THIS USMORTGAGERATES.INFO SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE INFORMATION OR MATERIALS ON OUR SITE OR ANY LINKED SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WE DO NOT WARRANT THAT THE FUNCTIONS ON OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SITE OR THE SERVERS THAT MAKE SUCH INFORMATION AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO ANY CAUSES OF ACTION (WHETHER IN CONTRACT, TORT [INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE] OR OTHERWISE), SHALL USMORTGAGERATES.INFO BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) RESULTING OR ARISING FROM THE USE OF THE USMORTGAGERATES.INFO SITE OR THE INFORMATION, MATERIALS OR FUNCTIONS PROVIDED ON THE USMORTGAGERATES.INFO SITE OR ANY LINKED SITE.

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