Terms of Service
Effective Date: August 25, 2024
Welcome to Rate Republic! These Terms of Service (“Terms”) govern your use of our website [www.raterepublic.com] (the “Site”) and the services provided by Rate Republic (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services or access the Site.
1. Services Provided
Rate Republic provides mortgage brokerage and financial services, including but not limited to residential loans, commercial loans, refinancing, and investment property loans. Our services are subject to change, and we reserve the right to modify or discontinue any part of the Site or services at any time without notice.
2. Eligibility
To use our services, you must:
•Be at least 18 years old.
•Provide accurate, current, and complete information when using the Site or applying for services.
•Comply with all applicable laws and regulations.
By using our services, you confirm that you meet these requirements.
3. Account Registration
To access certain features of the Site or apply for loans, you may be required to create an account. You agree to:
•Provide accurate and complete information during registration.
•Maintain the confidentiality of your account credentials.
•Notify us immediately of any unauthorized use of your account.
We are not liable for any loss or damage resulting from unauthorized access to your account due to your failure to secure your credentials.
4. Use of the Site
You agree to use the Site only for lawful purposes. You are prohibited from:
•Using the Site to transmit harmful, abusive, or illegal content.
•Engaging in any activity that could disrupt or damage the Site’s operation.
•Attempting to gain unauthorized access to the Site, our servers, or related systems.
•Using any automated systems, such as bots, to access or interact with the Site.
We reserve the right to terminate your access to the Site for any violation of these Terms.
5. Loan Applications and Approvals
Submitting a loan application through Rate Republic does not guarantee approval. Loan approvals are subject to various factors, including credit history, income, property valuation, and other relevant criteria. Rate Republic makes no representations or warranties about the outcome of any loan application.
6. Fees and Costs
When you apply for a loan or use our services, you may incur fees, such as loan origination fees, escrow fees, and other related costs. These fees will be disclosed to you during the loan process. By proceeding with a loan application, you agree to pay all applicable fees as outlined in the loan agreement.
7. Privacy
Your use of the Site is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Site, you consent to our collection and use of your information as described in the Privacy Policy.
8. Third-Party Links
Our Site may contain links to third-party websites. These links are provided for your convenience, and we are not responsible for the content, privacy practices, or terms of service of third-party websites. You access these sites at your own risk, and we encourage you to review their terms and privacy policies before using them.
9. Intellectual Property
All content on the Site, including text, graphics, logos, and software, is the property of Rate Republic or its licensors and is protected by intellectual property laws. You may not use, reproduce, distribute, or create derivative works from our content without our prior written consent.
10. Disclaimer of Warranties
The Site and services are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. We do not guarantee that:
•The Site will be uninterrupted or error-free.
•The information provided on the Site is accurate, complete, or up to date.
•Any defects on the Site will be corrected.
We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
11. Limitation of Liability
To the fullest extent permitted by law, Rate Republic and its affiliates, directors, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site or services. This includes, but is not limited to, loss of profits, data, or business opportunities.
In no event shall our total liability exceed the amount you paid us, if any, for services during the six months prior to the event giving rise to the claim.
12. Indemnification
You agree to indemnify and hold Rate Republic, its affiliates, officers, employees, and agents harmless from any claims, damages, losses, or expenses arising from:
•Your use of the Site or services.
•Your violation of these Terms.
•Your violation of any third-party rights, including intellectual property rights.
13. Termination
We may terminate or suspend your access to the Site and services at any time, without notice, if we believe you have violated these Terms or applicable laws. Upon termination, your right to use the Site and services will cease immediately. Provisions in these Terms that should survive termination, such as intellectual property rights, limitation of liability, and indemnification, will remain in effect.
14. Governing Law
These Terms are governed by the laws of the state of California, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of the Site will be resolved exclusively in the courts located in San Diego County, California.
15. Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on this page, and the “Effective Date” will be updated. You are encouraged to review these Terms periodically to stay informed of any changes. By continuing to use the Site after changes are made, you agree to be bound by the updated Terms.
16. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Rate Republic
Email: jose@raterepublic.net
Phone: +1 619-745-1644
Address: 690 Otay Lakes Rd #230, Chula Vista, CA 91910