Terms of Service

1. Acceptance of Terms

By accessing and using RateTrack ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

RateTrack is a mortgage rate monitoring and analysis service that provides:

• Historical and current mortgage rate data
• Personalized refinance opportunity alerts
• Financial analysis tools and calculators
• Educational content about mortgage markets

3. User Accounts and Responsibilities

3.1 Account Creation

You must provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials.

3.2 User Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any unlawful purpose or to solicit others to perform unlawful acts
• Violate any local, state, national, or international law or regulation
• Transmit or procure the sending of any advertising or promotional material without our prior written consent
• Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• Engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service

4. Subscription Services

4.1 Premium Features

Certain features of the Service require a paid subscription. By subscribing, you agree to pay all applicable fees as described on our pricing page.

4.2 Billing and Payment

Subscription fees are billed in advance on a monthly basis. Payments are processed through our third-party payment processor, Stripe. All fees are non-refundable except as required by law.

4.3 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period.

5. Financial Information Disclaimer

5.1 Not Financial Advice

IMPORTANT: RateTrack provides information and tools for educational purposes only. We do not provide financial, investment, or legal advice. All information is provided "as is" without warranty of any kind.

5.2 No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics contained in the Service.

5.3 Professional Consultation

You should consult with qualified financial professionals before making any financial decisions. Any reliance you place on information from RateTrack is strictly at your own risk.

6. Third-Party Partners

We may work with partners to provide additional services or information. We are not responsible for the actions, products, services, or content of any third parties. Any dealings you have with partners are solely between you and such third parties.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of RateTrack and its licensors. The Service is protected by copyright, trademark, and other laws.

8. User Data and Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

10. Limitation of Liability

In no event shall RateTrack, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

11. Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, RateTrack:

• Excludes all representations and warranties relating to this Service and its contents
• Disclaims any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our Service

12. Indemnification

You agree to defend, indemnify, and hold harmless RateTrack and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

13. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

14. Governing Law

These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

16. Contact Information

If you have any questions about these Terms of Service, please contact us through the contact information provided on our website.