April 27, 2009
To use this Website and the services, you must be of legal age to enter into a binding contract and not be prohibited from using the Website or the services by the laws of the jurisdiction from which you access the Website or the services.
1. Our Service
ShopRate provides various content related to mortgages, including mortgage rates, refinancing, home equity lines, and mortgage calculators, and connects consumers with lenders (the .Service.). ShopRate owns and retains all intellectual property rights in the Service and the ShopRate content. While ShopRate is not required to screen content accessible through links on the Service, ShopRate reserves the right to do so and to remove any such links at any time.
2. Use of the Services.
The information contained within this Website is provided by ShopRate and is intended for consumer and informational use only. You agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit the Services for any commercial purpose. Content may be reproduced for non-commercial purposes only as long as ShopRate is notified of such usage.
The views and opinions expressed in our blog do not reflect the views and opinions of ShopRate. Moreover, when you are facing important legal or financial decisions, you should always seek outside legal and financial counsel from an attorney and/or certified financial counselor.
You are solely responsible for the products or services you buy through the Service. By providing links to other sites, ShopRate does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to ShopRate.
You must not: (a) directly or indirectly, interfere or attempt to interfere with the proper working of the Website, any account, or any communication or transaction being conducted on our Website; (b) use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content on the Website without our prior expressed written permission; (c) take any action which imposes an unreasonable or disproportionately large load on our infrastructure, (d) use or disclose (to anyone except ShopRate) any confidential information you obtain from ShopRate, (e) conduct fraud, hide or attempt to hide your identity, represent yourself as someone else, use a false email address, compromise or attempt to compromise the security of any account, interfere or attempt to interfere with the proper working of the Service, or (f) send any unsolicited e-mail or advertising to any known user.
3. Content You Submit.
By posting or submitting content on or to the Service, including, without limitation, commentary, customer reviews, testimonials, feedback and messages on our blog (regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you grant ShopRate and its affiliates, agents and third party contractors a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, adapt, modify, translate, display, publish, publicly perfom, publicly display and distribute any content you submit, post or display through the Services. You agree that any content you submit may be republished anywhere on our Website without your prior consent, including, but not limited to, our monthly newsletter and blog. Your content may also be referenced in other publications and marketing materials not affiliated with ShopRate. You shall be solely responsible for your own submissions and the consequences of posting or publishing them. In connection with each of your submissions, you affirm, represent, and/or warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the above license to ShopRate. You agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to or infringes or misappropriates third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant ShopRate all of the rights granted herein; (ii) publish falsehoods or misrepresentations; (iii) use the Service for any illegal purpose or submit material that is unlawful, obscene, harmful, tortious, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (iv) post personal identity information such as credit card numbers, or (v) post advertisements or solicitations, including income opportunities, unless you have received our prior express written consent. ShopRate reserves the right to remove or not publish submissions without prior notice.
If you are a copyright owner or agent thereof and believe that user content infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
Our Copyright Agent can be reached at:
Attn: Copyright Agent
1051 E. Hillsdale Blvd., 8th Floor
Foster City, CA 94404
By fax: 650-350-1423
4. Your Requests for Information.
ShopRate and its affiliates provide links to external websites or resources to sign up for products and services provided by third parties, or for your convenience and reference. ShopRate and its affiliates do not endorse and are not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the owners or operators of these external websites or resources are at your own risk. You cannot make any claim against ShopRate or its affiliates arising out of your use of external websites or resources.
6. Disclaimer of Warranties.
7. Limitation of Liability.
Certain information contained in the directory portion of this website is proprietary to Acxiom Corporation and is protected under U.S. copyright law and international treaty provisions. This information is licensed for your personal or professional use and may not be resold or provided to others. You may not distribute, sell, rent, sublicense, or lease such information, in whole or in part to any third party; and you will not make such Acxiom information available in whole or in part to any other user in any networked or time-sharing environment, or transfer the information in whole or in part to any computer other than the PC used to access this information