Terms & Conditions

Welcome to our website. If you continue to browse and use this website including submitting information to RatesAreHot.com you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern RatesAreHot.com's relationship with you in relation to this website. This would include any changes or revisions RatesAreHot.com makes to this Agreement and RatesAreHot.com's Privacy Policy at its sole discretion. If you do not agree please do not use this site. While we are making every effort to ensure that all of the content on our site is up to date on a daily basis, accurate, as well as clearly defined for you our user's and readers we cannot guarantee that the site will always be up or that its contents will always be accurate. There are such times when there are such circumstances that are beyond our control and there may be circumstances that may occasionally make the site unavailable. There are times that data transmissions may be interrupted; and we may provide links to other sites whose content we cannot monitor or otherwise manage. If you do not agree with these terms and conditions please do not access RatesAreHot.com.

The term RatesAreHot.com or "us" or "we" refers to the owner of the website who is Incorporated in and under the laws of the state of Delaware. The term "you" refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Information presented on this site by lenders/brokers are advertisements by the lenders/brokers, and RatesAreHot.com makes no guarantee, explicit or implied that the posted information is accurate and correct. Any type of agreement that you may have with a lender/broker listed on our website is governed by terms of the agreement that you enter into with that lender/broker. We expressly disclaim any liability or responsibility for the success of any transaction you have with that lender. You must make the final determination as to the value and appropriateness of that transaction.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by RatesAreHot.com and is licensed to RatesAreHot.com. This material includes, but is not limited to the design, text, layout, look, appearance, graphics, logos, images, icons, and interfaces. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorized use of this website may give to a claim for damages and/or be a criminal offense.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

You may not create a link to this website from another website or document without the written approval of RatesAreHot.com.

Your use of this website and any dispute arising out of such use of the website is subject to the laws of the State of Delaware.

You understand and agree that if you submit a request for a loan product or service offered through our lender, RatesAreHot.com will share your personal information (such as your full name, address, telephone number, and any other information obtained) with lender/broker in our network to fulfill your request.

You understand that by submitting your request you are providing "written instructions" in accordance with federal state laws to submit personal information and to be matched with RatesAreHot.com's lenders. You are further authorizing the lender to receive your personal information such as name, address, phone number and other personal information in order for the lender to fulfill your request.

You acknowledge that RatesAreHot.com does not make any loan or credit decisions in connection with any services and that RatesAreHot.com is not a party to any agreement that you may make with any clients.

By submitting your contact information your are consenting to be contacted by one or more of RatesAreHot.com's lenders/clients even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company

The client is solely responsible for their services with you. RatesAreHot.com is not acting as your broker or lender or agent and is not recommending any loan products or clients to you.

Any compensation received or paid by RatesAreHot.com's clients to RatesAreHot.com are for products and services rendered to that particular client/lender.

RatesAreHot.com does NOT warrant, endorse or guarantee any products or any services made by our clients NOR does RatesAreHot.com endorse or guarantee or make any interest rate lock in agreements.

Nothing contained herein shall constitute an offer or a promise for a loan commitment or an interest lock in agreement.

RatesAreHot.com shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the client's services.

If you submit a request to find a lender or a broker or submit a request for a quote, there is no cost or obligation. When you submit a request to RatesAreHot.com that requested information is gathered and stored in our database. Once your information is stored you become a customer of RatesAreHot.com. Any transaction facilitated through one of our lenders will be governed by that lender's separate terms of use. We expressly disclaim any liability or responsibility for the success of your transaction. As stated earlier you must make the final determination as to the value and appropriateness of the transaction.

RatesAreHot.com's Property Rights

This site is owned and operated by RatesAreHot.com all materials appearing on this site, including the site name RatesAreHot.com, design, text, graphics, logos, images, icons, interfaces, and the selection, arrangements thereof are the sole property of RatesAreHot.com. Any use of the materials on this site, including but not limited to, reproduction for purposes other than those permitted in this Agreement, modification transmission, display, distribution of republication, without prior written permission of RatesAreHot.com is strictly prohibited.

You consent to receive communications from RatesAreHot.com electronically. There are times that RatesAreHot.com will communicate with you through email or regular USPS mail. You agree that all notices and disclosures and all other communication provided by RatesAreHot.com electronically satisfy any legal requirements.

RatesAreHot.com will do its best to make sure that our website is accurate at all times by selecting lenders and brokers with accurate rates there may be times that we cannot control typographical and other errors that may appear. We reserve the right to refuse or cancel requests for products and/or services containing incorrect pricing.

Links to other Websites

RatesAreHot.com may provide links on the site to other website on the internet that are operated by third party vendors and other third parties not under our control.

Applicable Law and Venue

RatesAreHot.com is operated in the State of Delaware. The site can be accessed from all 50 states and the District of Columbia as well as other countries around the world. As each of these places has laws that may differ from those of Delaware, by accessing this site, both you RatesAreHot.com agree that the statutes and laws of the State of Delaware, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this site.

Disclaimers, Limitation of Liability, Indemnification

In no event shall RatesAreHot.com, its affiliates, officers, directors, or employees be held liable for direct, indirect, compensatory, special, incidental, punitive or consequential damages including but not limited to damages for any loss of profit, revenue or business, as a direct or indirect result of the operations, content or use of RatesAreHot's website and sites and materials in association with RatesAreHot.com whether resulting in whole or in part, from breach of contract tortuous behavior, negligence, strict liability or otherwise, even if advised of the possibility of such damages. Some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

This website makes no representations or warranties or Guarantee of any kind at any time, express or implied regarding this website, its content, operation accuracy and information including the warranty of merchantability, fitness for particular purpose and non-infringement, RatesAreHot.com makes no warranties about the accuracy, reliability, completeness or timeliness of the website, the materials, the products and/or any links. It is your responsibility to independently evaluate the accuracy, correctness or completeness of the content and services and products associated with this site. We make no representation, warranty or guarantee that the content that may be available for downloading form the site is free of infection from any viruses or any programming that contains contaminating or destructive properties or that are intended to damage detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.

The content of RatesAreHot.com is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation.

Dealings with Third Parties

Your correspondence or business dealings with an third parties as a result of your visit and participation in the Service, including, but not limited to, business dealings with mortgage brokers or lenders, insurance agents, or any other terms conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that RatesAreHot.com shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on the service.