Terms of Service
Last updated:
1. Acceptance of Terms
By accessing or using RateCanopy.com (the "Site"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you are prohibited from using this Site.
RateCanopy is operated by Creative Round LLC, a licensed mortgage broker (NMLS #343820, DRE #01864975). These terms govern your use of our mortgage rate comparison platform, educational content, and associated services.
2. Use License
Permission is granted to temporarily access and view the materials on RateCanopy for personal, non-commercial use only. This is a license, not a transfer of title, and under this license you may not:
- ‣ Modify or copy the materials for distribution or commercial use
- ‣ Use the materials for any commercial purpose or for any public display
- ‣ Attempt to reverse engineer any software or systems on the Site
- ‣ Remove any copyright or proprietary notices from the materials
- ‣ Transfer the materials to another person or mirror the materials on any other server
This license shall automatically terminate if you violate any of these restrictions and may be terminated by RateCanopy at any time.
3. Disclaimer
The materials on RateCanopy are provided on an "as is" basis. RateCanopy makes no warranties, expressed or implied, and hereby disclaims all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
RateCanopy does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
4. Rate Information and Financial Disclosures
Mortgage rates displayed on RateCanopy are for informational and comparison purposes only. Rates are subject to change without notice and are not guaranteed. Actual rates offered to individual borrowers will depend on creditworthiness, loan-to-value ratio, property type, loan amount, occupancy, and other factors.
Rate information on this Site does not constitute a mortgage commitment, pre-qualification, pre-approval, or commitment to lend. Nothing on this Site should be construed as financial, investment, tax, or legal advice. You should consult qualified professionals before making any financial decisions.
RateCanopy may receive compensation from lenders whose rates or products are featured on the Site. This compensation may influence which lenders are displayed and in what order. See our Privacy Policy for details on how we handle your data.
5. Privacy
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. Please review our Privacy Policy to understand our practices.
6. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of California, and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location. Any claim relating to RateCanopy's website shall be governed by the laws of the State of California without regard to its conflict of law provisions.
7. Changes to Terms
RateCanopy reserves the right to revise these Terms of Service at any time without notice. By using this Site, you agree to be bound by the then-current version of these Terms of Service. We will update the "Last updated" date at the top of this page when changes are made. Continued use of the Site after any changes constitutes your acceptance of the new terms.
8. Contact Us
If you have any questions about these Terms of Service, please contact us: