1. Acceptance of Terms
By accessing or using TrueRateGuide ("Site", "Services"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use our Services.
2. Description of Service
TrueRateGuide is an independent comparison platform that helps consumers compare financial products including personal loans, auto insurance, credit cards, and home improvement financing. We are not a lender, insurer, or broker. We match you with third-party providers who may extend offers based on the information you provide.
3. Eligibility
You must be at least 18 years old and a legal resident of the United States to use our Services. By using the Site you represent that you meet these requirements.
4. No Financial Advice
Information on this Site is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Rates, terms, and product availability shown are subject to change and depend on the provider. Always verify details directly with the lender or insurer before making a decision.
5. User Conduct
You agree not to:
- Submit false, inaccurate, or misleading information
- Use the Site for any unlawful purpose or in violation of any laws
- Attempt to access any portion of the Site you are not authorized to access
- Interfere with or disrupt the Site or servers
- Use automated scripts, bots, or scrapers to collect information
- Reproduce, duplicate, or resell any part of the Site without permission
6. Third-Party Providers
When you submit a request, we may share your information with one or more lending or insurance partners. Your relationship with any such provider is governed by the provider's own terms and privacy policies. TrueRateGuide is not responsible for the acts, omissions, products, or services of any third-party provider.
7. Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of TrueRateGuide or its licensors and is protected by copyright, trademark, and other laws. You may not copy, modify, or distribute any content without our written permission.
8. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses. We do not guarantee the accuracy or completeness of any information on the Site.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TrueRateGuide AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.
10. Indemnification
You agree to indemnify and hold harmless TrueRateGuide, its affiliates, and its employees from any claims, losses, damages, liabilities, and expenses arising out of your use of the Site or violation of these Terms.
11. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Delaware.
12. Changes to Terms
We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms.
13. Contact
Questions about these Terms? Email us at legal@truerateguide.com.