Consumer Ratings (the “Site”, “Consumer Ratings”, “we”, “us”, “our”, or “Company”) encourages all users to review this Terms of Use Agreement (“Agreement”). By accessing, browsing, or using this site/services through any direct or indirect means, or by using the goods or services provided and offered in or through this site/services by any alternative methods (including, for example, telephone, mail, text, email, or facsimile), you accept and agree to be bound by these Terms of Use.
Site Modification or Suspension
We reserve the right, at any time and in our sole discretion, to modify, suspend, or discontinue the site or any service, content, feature, or product offered through the Site, with or without notice. You agree that we shall not be liable to any third party for any modification, suspension, or discontinuance of the Site, or any service, content, feature, or product offered through the Site.
Services
This site/services provides information and reviews on financial services and consumer products and may allow consumers to request additional information through an inquiry. Personal information submitted in connection with this site/service is subject to our Privacy Policy. For more information, see our Privacy Policy. By submitting an inquiry or requesting additional information on this site, you understand and agree that Consumer Ratings will share your personal information with our network of clients, including but not limited to: mortgage bankers, mortgage brokers, credit consultants, insurance brokers, or any other business in our client network related or unrelated to the service or product you have expressed interest in. Different types of businesses, related or unrelated to your inquiry, may be provided your information and may contact you. We do not charge you a fee to use this site/services.
You understand that requirements to qualify for a particular loan product are made by the client network, and we do not endorse, warrant, or guarantee such results. We are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company, or automotive warranty organization. Your inquiry is not intended to be an application for any financial product. Prior to submitting your inquiry, you agree to receive autodialed or prerecorded calls (including to mobile numbers), texts, and emails from Consumer Ratings and its affiliates, partners, and vendors to the phone numbers (including mobile numbers) and email addresses you provide. Your consent is not a condition, directly or indirectly, of a purchase. Licensed organizations that may contact you are subject to Federal and State laws and regulations for their practices. Please review the privacy practices of all third parties who contact you. If you have any questions regarding their practices, please contact them directly. This site/services are not intended for the use of minors. You certify to Consumer Ratings that:
Advertiser Disclosure
Our top-ranked sites are reviewed based on our own views, knowledge, and opinions. We provide our free online comparison tool thanks to referral fees received from companies compared and reviewed on our website. We have a financial interest in some of the top-ranked products in our lists. We do not review all products in a given category. We are independently owned and operated, and all opinions expressed on this site are our own.
How We Rank
The featured products on this site are owned by companies from which we may receive compensation. This compensation may impact how and where products appear on the site, including the order in which they appear. Ranking and order of products on the site are subject to change and do not include all available products in their respective categories. Additional elements that impact our rankings may include the user device, operating system, location, the day of the week, time of day, and cookie data or any self-assessed data we may generate on this site.
Prohibited Use
You shall not use this site/service for any illegal purpose or for the transmission of any unlawful material or material that is abusive, harmful, harassing, libelous, racially or ethnically offensive, invasive of another’s privacy, obscene, threatening, vulgar, sexually explicit, tortious, defamatory, or that infringes or may infringe on the intellectual property or rights of another, or in a reasonable person’s view, objectionable. You shall not directly or indirectly interfere, or attempt to interfere, with the proper working of this site/service, including system integrities or securities; interfere with any account, communication, or transaction being conducted on this site/service; use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or any content without our prior expressed written permission; take any action which imposes an unreasonable or excessively large load on our infrastructure; upload, post, transmit, submit, email, or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute; engage in any conduct of fraud, represent yourself as someone else, or hide or attempt to hide your identity; and interfere or attempt to interfere with the proper working of this site/service.
Copyright and Trademark Notice Information
Our site/services contain intellectual property owned by us and other parties. We are the sole owner of the site/services and all materials on or available through our site/services, including without limitation all applicable U.S. and non-U.S. copyrights, trademarks, patents, trade secrets, and other intellectual property rights thereto (collectively “site/services Content”). Except as otherwise specifically provided in this Agreement, you may not download or save a copy of the site/services content or any portion thereof for any purpose; however, you may print a copy of individual screens appearing as part of the site/services content solely for your personal records or non-commercial use provided that our 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 exploit any portion of our site/services content unless you first obtain prior written consent from us and all other entities with an interest in the relevant intellectual property. Any unauthorized attempt to modify our site/services content, overthrow or elude our security features, or utilize our site/services for other than its intended purposes is strictly prohibited.
NO WARRANTY
THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, OR SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES, INCLUDING ANY FINANCIAL PRODUCT YOU MAY CHOOSE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.
WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES AND ANY LOAN YOU ACCEPT.
LIMITATION OF LIABILITY
IN NO EVENT WILL WE, OUR SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS, ASSIGNS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, 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 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 JURISDICTIONS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
ARBITRATION AGREEMENT AND CLASS ACTION WAIVER
This arbitration provision limits your and Consumer Ratings’s ability to litigate claims in court, and you and Consumer Ratings 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 CONSUMER RATINGS SITE/SERVICES OR SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS OF THIS ARBITRATION AGREEMENT. DO NOT USE CONSUMER RATINGS 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 CONSUMER RATINGS 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 AND CONSUMER RATINGS 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 CONSUMER RATINGS, INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.
We strive to never have a dispute, but if we do, 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 Consumer Ratings.
Indemnification
You agree to indemnify and hold Consumer Ratings, its subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this site/service, the violation of this Agreement by you, or the infringement by you or other users of this site/service using your computer, of any intellectual property or other rights of any person or entity. Consumer Ratings and its service providers assume no responsibility whatsoever for such content or actions. Consumer Ratings reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
Termination
If you breach or violate any part of this Agreement or provisions in the Privacy Policy, you may no longer use this site/service. Consumer Ratings may, in its sole discretion, terminate, change, or suspend temporarily or permanently, this site/service or any part of it at any time, for any reason, without notice to you and without any liability to you or any other person. You agree that all terminations for cause shall be made in our sole discretion and shall not be liable to you or any third party for any termination.
Entire Agreement
This Agreement constitutes the entire terms of use agreement between you and Consumer Ratings and governs your use of this site/service, superseding any prior agreements between you and Consumer Ratings. You may also be subject to additional terms and conditions that may apply when you use other services, affiliate services, third-party content, or third-party software.
Changes to Terms and Policies
We reserve the right to make changes to this Agreement and the posted Privacy Policy. Any changes made will be effective from the date of such posting without further notice to you. The Privacy Policy and Terms of Service posted at the time you register on our site/services will govern our relationship for that registration and inquiry request.