Binding Agreement
Please read these terms and conditions of use before using this Web site ("Site"). They constitute a binding agreement ("Agreement") between you and Low-rate.com ("Low-rate.com"). By using the Site, you agree to be bound by these terms of use and constitute your acceptance of them. Your use of this Site is subject to the additional disclaimers and notices that may appear throughout the Site. If you do not agree to all of the terms and conditions, please
Low-rate.com reserves the right, in it sole discretion, to modify, alter or otherwise update the terms of use at any time. Such modification shall become effective immediately upon posting. By using this Site after posting such modifications, you agree to be bound by such revised terms.
Your Obligations and Our Responsibilities
Our goal at Low-rate.com is to make your next mortgage loan as simple, convenient, and easy as possible. We also want every one of our customers to be completely satisfied, so it's important for you to understand what you must and mustn't do and what we can and can't do. You agree to provide true, accurate and complete user information and to avoid misappropriating another's identity or misrepresenting your relationship with any person or entity. You further agree to refrain from accessing or attempting to access protected, secure or nonpublic areas of this Site. Unauthorized attempts to access prohibited areas of this Site may be subject to prosecution. Low-rate.com assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. While Low-rate.com makes every effort to ensure that all of the content on this Site is complete, up-to-date, readily available and clearly explained, Low-rate.com cannot guarantee that the Site will always be up or that its content will always be accurate. Low-rate.com will not be responsible for any loss or damage related to the accuracy or completeness of the information.
Your Application and Loan Services
When you submit an online loan inquiry, Low-rate.com will immediately send you a confirmation e-mail acknowledging receipt, and a Low-rate.com personal lending specialist will call you shortly thereafter to confirm the details of your inquiry. These communications will let you know that Low-rate.com has received your inquiry. For your protection, we may also require verification of the information you submit before we can commence processing your inquiry. Upon submitting your application, you acknowledge and agree that all of the information you provide in your application is true and complete. You authorize Low-rate.com to check your credit history, and to provide your information, including your credit history, to participating financial institutions, lenders and third party financial service suppliers in accordance with our Privacy Policy . You further authorize such financial institutions, lenders and third party suppliers, along with any additional lenders or investors necessary to complete your loan transaction, to check your credit history. You understand that these financial institutions, lenders and third party suppliers may retain your application information, regardless of whether or not you are qualified for a financial product with them. Loans may only be made to residents of, or secured by real property located in, states where participating financial institutions or lenders are licensed or authorized to make such loans. Low-rate.com and its participating financial institutions and lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan in any specific state. Low-rate.com does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating financials institution or lender.
User Reviews, Comments and Communications
Low-rate.com may provide a request for visitors to provide feedback or may request additional information relating to the Low-rate.com products or services. In such cases, visitors may post reviews and comments, as well as ideas, suggestions and similar information, so long as those communications are not obscene, defamatory, or contain illegal content. You are not permitted to include a false e-mail address, any commercial solicitation or computer virus or misappropriate another's identity. Low-rate.com may, in its discretion, remove or decline to post any communication that it believes is inappropriate for the intended use. We do not review each and every submission and are not responsible for the accuracy or legality of any communication or content posted on our Site by a visitor. We reserve the right to use, modify, reproduce, translate or otherwise distribute any communication or content that you provide, including the name that you submit with a review, comment or other communication, subject to our Privacy Policy .
Proprietary Rights
This Site is owned and operated by Low-rate.com. Unless otherwise specified, all materials appearing on this Site, including Site design, text, graphics, logos, images, icons, interfaces and the selection, assembly and arrangements thereof are the sole property of Low-rate.com © 2004 Low-rate.com.com. ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of this Site for the sole purpose of placing an inquiry with Low-rate.com for products or services offered on this Site. Any other use of materials on this Site, including but not limited to, reproduction for purposes other than those noted above, modifications, transmission, display, distribution, republication, creating derivative works from, and framing in another Web page is strictly prohibited without the prior written permission of Low-rate.com. Low-rate.com and all other trademarks and service marks owned by Low-rate.com and appearing on the Site are trademarks or service marks of Low-rate.com.
Links to External Sites
Low-rate.com may provide links on the Site to other web sites on the Internet that are owned and operated by third party vendors and other third parties not under the control of Low-rate.com. These links are provided for convenience of reference only and are not intended as an endorsement by Low-rate.com of the organization or individual operating the web site or a warranty of any type regarding the web site or the information on the web site. By using this Site, you acknowledge that Low-rate.com is not responsible for the availability of, services or products offered by, or the content located on or through, any such external sites.
Site Outages and Browser Incompatibilities
This is an e-commerce Site, with strong security systems and multiple servers in a number of locations. It's our best connection to our customers, and we take pride in its overall reliability. Nonetheless, the Site may sometimes be inaccessible, or it may not function properly with your web browser and operating system. Low-rate.com cannot be held liable for any perceived or actual damages arising from the operation, content, or use of this Site.
Typographical Errors
While we try to make sure that all information, including rates and pricing, posted here are accurate at all times, we cannot be responsible for typographical and other errors that may appear on the Site. If the rate or pricing for a product or service is incorrect due to typographical or other error (e.g., data transmission), Low-rate.com is only responsible for the correct rate or pricing, which we will endeavor to provide to you as soon as we become aware of the error. Low-rate.com reserves the right to refuse or cancel any orders for products or services listed at an incorrect rate or price.
Assumptions, Disclaimers and Limitation of Liability
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are subject to credit and property approval based on secondary market guidelines.
This Site and the information and materials contained therein are provided "as is," and you use this Site at your own risk. Low-rate.com makes no representations or warranties of any kind regarding this Site or its operation, contents, information or materials or products or services offered through the Site. Low-rate.com expressly disclaims all warranties, express or implied, of any kind, with respect to the Site or its use and products or services offered on or through this Site, including but not limited to merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, currency, reliability, or any warranty that the site or the server that makes it available, are free of viruses or other harmful elements. Low-rate.com reserves the right to change or discontinue at any time any aspect or feature of this Site.
IN NO EVENT SHALL LOW-RATE.COM ITS AFFILIATES OR THEIR SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATION, CONTENT OR USE OF THE SITE, 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 (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.
Applicable Law and Venue
This Site (excluding linked sites) is controlled by Low-rate.com which is headquartered in the State of Tennessee , United States of America . This Site can be access 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 Tennessee , by accessing this Site, both you and Low-rate.com agree that the statutes and laws of the State of Tennessee , without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this Site. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. You and Low-rate.com also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of Tennessee with respect to such matters. Low-rate.com makes no representation that materials on this Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to use or access this site from other locations do so on their own initiative and are responsible for compliance with local laws.
Indemnification
You agree to indemnify, defend, and hold harmless Low-rate.com, its affiliates, and suppliers from any liability, loss, claim, and expense (including attorneys' reasonable fees) related to your violation of this Agreement.
Posting Third Party Content
By providing information and/or posting material on Low-rate.com, you represent and warrant that all information provided is true, accurate, current and complete, does not violate these Terms of Use and that the content will not cause injury to any person or entity. When using this Site, you agree not to post material that (i) contains vulgar, profane, racist or hateful language or expressions, (ii) is defamatory disparaging, false, misleading, fraudulent or inaccurate claims, or (iii) violates the privacy rights of any third party.
Low-rate.com does not monitor the content posted or transmitted by users and other third party information providers. Low-rate.com reserves the right to delete, move or edit any content (including pictures) at any time, for any reason at its discretion, but has no obligation to review or remove any such content. Decisions as to whether content should be removed or violates these Terms of Use will be made after actual notice of such posting.
Entire Agreement
The terms and conditions and obligations referenced herein represent the entire Agreement between Low-rate.com, its affiliated or related entities, and you, and supersede any prior agreements or understanding not incorporated herein. In the even that any inconsistencies exist between these terms and conditions and any future published terms of use or understanding, the last published terms of use or understanding shall prevail.
ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY LOW-RATE.COM.
Thank you for reading our complete Terms of Use. We look forward to bringing you the best mortgage loan experience currently available.
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