Terms of Service — Rate Heros

These Terms are a starting template. Replace the bracketed placeholders and have them reviewed by qualified legal counsel before publishing.

1. Acceptance of terms

By accessing or using the Rate Heros website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the service.

2. What Rate Heros is

Rate Heros is a free service that matches homeowners and buyers with third-party mortgage lenders and partners. Rate Heros is not a lender, bank, or credit union and does not make loans or credit decisions. We do not guarantee that you will be matched, approved, or offered any particular rate or term.

3. Eligibility

You must be at least 18 years old and a legal resident of the United States to use the service. You agree to provide accurate, current, and complete information.

4. No guarantee of results

Matching is not an application, pre-approval, offer, or commitment to lend. Any rates, terms, or amounts referenced are illustrative. Actual offers are determined solely by lenders and are subject to their underwriting and approval.

5. Consent to be contacted

By submitting your information, you authorize Rate Heros and matched lenders/partners to contact you by phone, text, and email, including via automated means, as further described in our Privacy Policy.

6. Intellectual property

The Rate Heros name, logo, and site content are owned by [Company Legal Name] and may not be used without permission. You may not copy, reproduce, or create derivative works without our consent.

7. Acceptable use

You agree not to misuse the service, submit false information, interfere with its operation, or use it for any unlawful purpose.

8. Disclaimers

The service is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

9. Limitation of liability

To the maximum extent permitted by law, Rate Heros and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.

10. Indemnification

You agree to indemnify and hold harmless Rate Heros and its affiliates from claims arising out of your use of the service or violation of these Terms.

11. Governing law

These Terms are governed by the laws of the State of [State], without regard to conflict-of-law principles. Any disputes will be resolved in the courts located in [County, State].

12. Changes & contact

We may update these Terms from time to time; continued use means you accept the changes. Questions? Contact us at hello@ratehero.com.