Terms and Conditions
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. By providing the information
required by digitalrate.info website (the “Site”), you will be enabling digitalrate.info (“we,” “us” or
“our”) to provide such information to its third party partners (the “Partners”), who will be contacting
you to provide you quotes for their loan products. In signing up on the Site, you are deemed to have
agreed to these terms and conditions of use (“Terms and Conditions”).
This Site is provided for your and others’ personal, non-commercial use, subject to these Terms and
Conditions of use and all modifications thereto, and any other rules or guidelines, including (without
limitation) any sweepstakes rules that may be published from time to time on this Site. We reserve the
right to modify the Site and any element thereof from time to time, for any reason without notice. You
should check these Terms and Conditions periodically for changes, as we also reserve the right to modify
them at any time. Your use of the Site following any modifications to these Terms and Conditions shall
be deemed to be your assent to any such modifications.
Services: This Site provides information on financial services or products for consumer review and allows
consumers to request additional information through an inquiry. Personal information submitted in
connection with this Site is subject to our Privacy Policy. For more information, see our Privacy Policy.
Loan Products
The Partners will contact you with loan information. Please note that such information should not be
used as the sole basis for your loan decision, and may not meet your particular needs. Please seek the
advice of an appropriate professional regarding the assessment of the loan information provided as a
consequence of your registration on the Site. This Site does not (nor do we) provide loans or act as a
broker in connection therewith.
Conditions for Use of the Site
As a condition to your visit and use of the Site, you represent and warrant that:
1. You are at least 18 years of age and possess the legal authority to enter into an agreement and to use
the Site in accordance with these Terms and Conditions;
2. All information supplied by you is true and accurate (without limitation of the foregoing, the provision
of any speculative, incorrect, misleading, false or fraudulent information is prohibited);
3. You understand and agree that digitalrate.info may share personally identifiable information and
other information provided by, and aggregated information about, you and other users with its Partners,
sponsors, advertisers, service providers and marketers, lookup and reference services, other unaffiliated
third parties, and other entities that digitalrate.info believes are able to provide its users with special
offers and opportunities, as more fully described in the digitalrate.info Privacy Policy.
4. You understand that abuse of the Site may result in your being denied access to such Site, as
determined by digitalrate.info in its sole discretion;
5. You understand and agree that, in addition to these Terms and Conditions, the Site will be governed
by the official rules applicable to the promotion or offer, if any;
6. You will not:
a. Harvest, sweep, or use any other means, to collect information about users of the Site;
b. Use automated means, including spiders, robots, bots, scripts, crawlers, or the like, in connection with
any activity on the Site;
c. Resell, assign, sublicense, otherwise transfer, or delegate your rights or obligations under these Terms
and Conditions without the prior express written authorization of digitalrate.info;
7. Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute,
perform, link, display or in any way exploit any Site content; or
8. Except as otherwise expressly permitted on the Site, use any information you may obtain from the
Site (including without limitation, user information) to send any other person unsolicited messages,
commercial or otherwise, by electronic, telephonic, postal or other means. digitalrate.info may reject
any registration application from any person with or without cause at its sole discretion. digitalrate.info
reserves the right to terminate a user account in the event that such user provides false or misleading
registration information or otherwise violates any term of these Terms and Conditions (as determined
by digitalrate.info in its sole discretion). Your status as a registered user creates only a customer
relationship with digitalrate.info and does not create an employment relationship, an independent
contractor relationship, an agency relationship, or any other relationship.
Compliance With Law
By visiting this Site or participating in games and activities on the Site, you agree to comply with all
relevant local, state, provincial, and national laws and/or regulations that may be applicable to your
visitation and/or participation.
Third Party Content/Promotions, Third Party Products, and Third Party Site Activities
The Site may display and make available content, promotions, advertisements, and offers provided by
third parties, including the Partners (“Third Party Promotions”), as well as goods and services offered by
third parties, including the Partners (“Third Party Products”). You understand and agree that we shall
not be responsible and shall have no liability for any Third Party Promotion or Third Party Product or for
your activities on any third party sites for whom we display offers (“Third Party Site Activity”), and that
you participate in or choose to click on a Third Party Promotion, purchase and/or use a Third Party
Product, or participate in a Third Party Site Activity solely at your own risk. You agree that your sole
remedy in connection with any Third Party Promotion, Third Party Product or Third Party Site Activity
will be with the applicable third party offering the Third Party Promotion, Third Party Product or Third
Party Site Activity and that you shall have no remedy against us arising from your use of (or participation
in), or inability to use (or participate in), any Third Party Promotion, Third Party Product or Third Party
Site Activity.
Intellectual Property Rights
The Site contains intellectual property owned by digitalrate.info and other parties. As between
digitalrate.info and you, digitalrate.info is the sole owner of the Site and all materials on or available
through the Site, including without limitation, all applicable U.S. and non-U.S. copyrights, patents,
trademarks, and trade secrets, and other intellectual property rights thereto (collectively, the “Site
Content”).
Except as otherwise specifically provided in these Terms and Conditions, you may not download or save
a copy of the Site content or any portion thereof, for any purpose; however, you may print a copy of
individual screens appearing as part of the Site content solely for your personal, non-commercial use or
records, provided that any digitalrate.info or other marks, logos or other legends that appear on the
copied screens remain on, and are not removed from the printed or stored images of such screens.
Except as otherwise expressly permitted herein, you may not modify, copy, publish, display, transmit,
adapt or in any way exploit any portion of the Site content unless you first obtain prior written consent
from us — and from all other entities with an interest in the relevant intellectual property. To seek our
permission, you may write to digitalrate.info at the address provided below. Any unauthorized attempt
to modify any Site content, to defeat or circumvent our security features, or to utilize this Site for other
than its intended purposes is strictly prohibited.
Linked Sites
You may be able to link to third parties’ Web sites (“Linked Sites”) from the Site. Linked Sites are not,
however, reviewed, controlled or examined by digitalrate.info in any way and digitalrate.info is not
responsible for the content, availability, advertising, products or other materials of any such Linked
Sites, or any additional links contained therein. Except as otherwise noted on the Site, these links do not
imply Digitalrate.info endorsement of or association with the Linked Sites. It is your sole responsibility to
comply with the appropriate rules and guidelines, if any, applicable to the use of the Linked Sites. In no
event shall digitalrate.info be liable, directly or indirectly, to anyone for any loss or damage arising from
or occasioned by the creation or use of links to the Linked Sites, the Linked Sites themselves, your
participation in activities on such Linked Sites, or the information, material, products or services
accessed through these Linked Sites. You should direct any concerns to that site’s administrator or
webmaster. Digitalrate.info reserves the exclusive right, at its sole discretion, to add, change, decline or
remove, without notice, any feature or link to any of the Linked Sites from the Site and/or introduce
different features or links.
Other sites may link to the Site only through a plain-text link. Permission must be granted by us for any
other type of link. To seek our permission, you may write to digitalrate.info at the address provided
below. We reserve the right, however, to rescind any permission granted by us to link through a plaintext
link or any other type of link, and to require termination of any such link to the Site, at our
discretion, at any time.
Submissions
Any notes, postings, ideas, suggestions, concepts, or other material submitted through this Site via email
or any means that we may create or provide in the future will become our property throughout the
world and we shall be entitled (without compensation to any party) to use such material in perpetuity in
any form and manner in any media, whether known or hereafter devised, and you will not have any
claim against us with respect to such use. You agree that, in the event you make a submission to us, it is
original with you and accurate and does not violate, and its use will not violate, the rights of any third
party or any applicable law or ordinance.
Privacy Policy
The information collected and used on the Site is governed by the digitalrate.info Privacy Policy.
Infringement and Regulatory Complaints
digitalrate.info will cooperate with any law enforcement authorities and comply with any judicial order
requesting or directing us to disclose the identity of anyone uploading, downloading, or posting
materials, or otherwise using this Site in violation of any applicable federal, state, or local laws.
Disclaimer of Warranties
Except as expressly set forth herein, digitalrate.info is not responsible for any incorrect or inaccurate
information or entry of information, whether caused by users of the Site or by any of the equipment or
programming associated with or utilized in connection with the Site or the products or services provided
on or through the Site, or by any technical or human error which may occur in the processing of
information received by us. digitalrate.info assumes no responsibly for any error, omission, interruption,
deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or
authorized access to, or alteration of, information received or submitted in connection with the Site.
digitalrate.info is not responsible for any problems, errors or technical malfunction of any telephone
network or lines, computer on-line systems, servers or providers, computer equipment, or software, or
any failure of e-mail on account of technical problems or traffic congestion on the Internet or at any web
site or combination thereof, including injury or damage to participants or to any other person’s
computer related to or resulting from use of the Site or Site Content.
THIS SITE, INCLUDING THE SITE CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING,
Digitalrate.info, AND ITS PARENT, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS,
ADVERTISORS, SUCCESSORS AND ASSIGNS SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES,
INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY,
APPROPRIATENESS, RELIABILITY, TIMELINESS, USEFULNESS, OR OTHERWISE OF THE SITE, AND THE SITE
CONTENT; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Digitalrate.info DOES NOT WARRANT OR
GUARANTEE (1) THAT ANY PORTION OF THE SITE OR THE SITE CONTENT WILL BE FREE OF INFECTION BY
VIRUSES, WORMS, TROJAN HORSES OR ANYTHING ELSE MANIFESTING CONTAMINATING OR
DESTRUCTIVE PROPERTIES; OR (2) THAT ACCESS TO THE SITE OR SITE CONTENT WILL BE
UNINTERRUPTED OR ERROR-FREE.
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. IN SUCH
JURISDICTIONS, THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU INSOFAR AS THEY RELATE TO
IMPLIED WARRANTIES.
Limitation of Liability
IN NO EVENT WILL digitalrate.info, ITS PARENTS, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES,
LICENSORS, ADVERTISERS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS,
AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL,
PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES
FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION,
AND THE LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE,
RELIANCE ON, OR INABILITY TO USE THE SITE OR SITE CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION,
WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS,
OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE SITE OR THE SITE
CONTENT.
Indemnification
You agree to defend, indemnify and hold digitalrate.info, its parents, subsidiaries, partners, agents,
affiliates, licensors, advertisers, successors and assigns and their respective officers, directors,
employees and shareholders harmless from any and all claims, liabilities, costs and expenses, including
reasonable attorneys’ fees, arising in any way from, in connection with or as a result of your use or
inability to use the Site and or Site Content, any information provided to you by the Site, or any violation
of these Terms and Conditions by you.
YOU HEREBY AGREE TO WAIVE ALL LAWS THAT MAY LIMIT THE EFFICACY OF SUCH RELEASES. FOR
EXAMPLE, YOU SPECIFICALLY AGREE TO WAIVE THE PROVISIONS OF CALIFORNIA CIVIL CODE SECTION
1542, WHICH PROVIDES “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR
DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE,
WHICH IS KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of
action you may have arising out of, or relating to, your use of the Site or Site content must be filed
within one (1) year after such claim or cause of action arises, or forever be barred.
Release
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE DIGITALRATE.INFO AND ITS
SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES,
INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS,
EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL
MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES,
OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER
KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE
CONNECTED WITH YOUR USE OF THE SERVICE.
Limitation of Liability
IN NO EVENT WILL WE, OUR SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS
AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE
LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR
CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS
PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY
OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO
USE THE SITE/SERVICES OR SITE/SERVICES CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION,
WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS,
OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF THE SITE/SERVICES OR THE
SITE/SERVICES CONTENT. YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR
RELATED TO OUR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION
ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION
OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR
LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
ARBITRATION AGREEMENT AND CLASS ACTION WAIVER- This arbitration provision limits your and
digitalrate.info’s ability to litigate claims in court and you and digitalrate.info each agree to waive your
respective rights to a jury trial or a state or federal judge. You agree that you will not file any lawsuit
against us in any state or federal court.
BY ACCESSING AND/OR USING ANY DIGITALRATE.INFO SITE/SERVICES OR SERVICES, YOU AGREE TO
THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE DIGITALRATE.INFO
SERVICES OR SUBMIT ANY CONTACT INFORMATION IF YOU DO NOT AGREE TO THESE TERMS.
THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS. YOU AGREE THAT DISPUTES BETWEEN YOU
AND DIGITALRATE.INFO WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE
YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU DIGITALRATE.INFO WILL BE RESOLVED
BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A DISPUTE IS
ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS
MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST DIGITALRATE.INFO INCLUDING ANY RIGHT TO
CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.
If a dispute arises, you and we agree to try for 60 days to resolve it informally. If no resolution results
from this informal process, you and we agree to binding individual arbitration before the American
Arbitration Association (“AAA”) under the Federal Arbitration Act (“FAA”), and not to sue in court in
front of a judge or jury. As an alternative, a neutral arbitrator will decide and the arbitrator’s decision
will be final except for a limited right of appeal under the FAA. Class action lawsuits, class wide
arbitrations, private attorney-general actions, and any other proceeding where someone acts in a
representative capacity aren’t allowed. Nor is combining individual proceedings without the consent of
all parties.
You agree that the Arbitrator will have sole and exclusive jurisdiction over any dispute you have with us.
The Federal Arbitration Act allows for the enforcement of arbitration agreements and governs the
interpretation and enforcement of the agreement to arbitrate.
If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific
provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration
Agreement shall continue in full force and effect. No waiver of any provision of this Arbitration
Agreement will be effective or enforceable unless recorded in a writing signed by the party waiving such
a right or requirement. Such a waiver shall not waive or affect any other portion of this Agreement. This
Arbitration Agreement will survive the termination of your relationship with us.
Miscellaneous
All of these Terms and Conditions shall be binding upon and inure to the benefit of the parties hereto
and their respective successors and permitted assigns. If any provision of these Terms and Conditions is
held to be invalid or unenforceable, such provision shall be modified or eliminated to the minimum
extent necessary and the remaining provisions shall be enforced. These Terms and Conditions constitute
the entire agreement between the parties hereto, and supercede any other agreement, promise, or
practice between the parties relating to the subject matter hereto. We reserve the right to terminate
these Terms and Conditions and/or to terminate your access to and ability to use the Site (or any
portion thereof), at any time (with or without notice). No waiver by either party of any right hereunder
shall constitute a waiver of this or any other right.
digitalrate.info
70 S. Val Vista Dr, Ste A3 #477
Gilbert, AZ 85296
© 2018 digitalrate.info All Rights Reserved.
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