LAST UPDATED: June 03, 2015
Please read these Terms of Service (the “Agreement”) for InterestRateSolutions.com (“Us” or “IRS”) carefully. Your use of the Site constitutes your agreement to be bound by this Agreement. The “Site” means all the content, services and products available on the websites, applications, emails, widgets or other media through which you accessed this Agreement.
THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS (PLEASE SEE SECTION 17). EXCEPT IF YOU OPT-OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND IRS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
Table of Contents:
1. Modification of Terms
2. Your Access and Use of the Site
3. Information you submit through the Site
4. AUTHORIZATION TO OBTAIN A CREDIT REPORT AND CREDIT SCORE
5. Services and Content Offered on the Site
6. Rules of Conduct
7. Jurisdictional Issues
8. Links to third party sites
9. Registration; Usernames and Passwords
11. Proprietary Rights
12. CONSENT TO ELECTRONIC COMMUNICATIONS
13. Disclaimer of Warranties
14. Limitation of Liability
18. Claims of Copyright Infringement
19. Governing Law
Modification of Terms – We reserve the right to modify this Agreement from time to time. Your use of the Site after such a modification will constitute your acceptance of those changes. We may notify you of any such changes by any reasonable means, including by posting the revised version of this Agreement to the Site. You can determine when we last changed this Agreement by referring to the “LAST UPDATED” date above.
Your Access to and Use of the Site – Your access to and use of the Site may be interrupted from time to time, including due to technical malfunctions, periodic updating and repairs. We may, at any time, modify or discontinue all or part of the Site, charge, modify or waive any fees required to use the Site, or offer opportunities to some or all Site users. We may, in our discretion and without notice, suspend or terminate your access to the Site and to any services offered on the Site, and may remove and delete any content you have provided if we believe that your conduct or content violates or is inconsistent with this Agreement or its intent, that your conduct is disruptive, or that you have violated the law or the rights of any third parties.
Authorization to Obtain a Credit Report and Credit Score. You understand and agree that by submitting your request to be matched with lenders, you are providing written instruction under the Fair Credit Reporting Act for IRS and the lenders with whom you are matched to obtain your consumer credit report, credit score and other information from a consumer reporting agency in order to provide you with quotes and verify your identity. The lenders with whom you are matched may obtain your credit report, credit score and other information to make a final decision regarding extending a loan to you.
Services and Content Offered on the Site – The Site provides you with access to certain services, such as referrals to products, services and service providers that may be of interest to you (the “Site Services”), and to certain content provided by us or by third parties (the “Site Content”). PLEASE READ THE FOLLOWING CAREFULLY:
Requests to be Matched. We may provide you with the opportunity to submit requests (each, a “Request”) for information and to be matched with mortgage lenders, personal loan lenders or other service providers (“Service Providers”). A Request is not an application for credit or a request for a loan pre-qualification. Rather, a Request is an inquiry to be matched with Service Providers. The Site acts solely as a paid marketing lead generator. You understand that IRS is not a broker, lender, creditor for or issuer of the products featured on the Site. IRS does not make any decisions regarding the products and services offered by the Service Providers and does not make any loan or credit decisions. IRS is not your agent, nor is it the agent of any Service Provider with respect to your request for financial offerings. IRS may receive a marketing lead generation fee from the Service Providers.
No guarantee of loan or credit – We cannot and do not guarantee that you will be matched to any Service Provider, that any Service Provider will make a loan or offer to you, or that any program terms including any specific loan terms or rates, offered by the Service Providers are the best terms or lowest rates available in the market. A Service Provider’s offer may be subject to market conditions, approval and qualification. The rates and fees you actually achieve may be higher or lower depending on your complete credit and financial profile. Your ability to secure any loan or consummate any transaction with any Service Provider is solely a matter to be resolved between you and such Service Provider. You may have to complete an application with, and pay an application fee to, the Service Provider before they extend an offer to you or provide that Service Provider with additional information to enable them to further verify your income.
Transfer of your information – In submitting a Request to us, both IRS and the Service Providers may ask for your name, Social Security number, address, telephone number, date of birth and other important information to allow us and the Service Providers to verify your identity and match you to offers. In submitting a Request to be matched on the Site, you agree to allow us to transfer all of the information that you provide in connection with your Request to third parties, including Service Providers, whether or not you have specifically selected such Service Provider. If any Service Provider(s) wish to provide information to you in connection with your Request, you will be contacted regarding the offerings and related pricing, and the Service Provider(s) may keep your Request information and any other information provided by us in connection with your Request whether or not they offer you a product or service. Please notify the Service Provider(s) directly if you no longer wish to receive communications from them.
In submitting a Request to be matched with Service Providers, you further expressly authorize any Service Providers with whom I am matched to share among its affiliates, loan services, and bank partners any transaction history related to your financial products or services received or serviced through such Service Provider for the purpose of evaluating me for credit.
No endorsements or recommendations – In working with Service Providers, we seek to work with companies that are reputable and professional; however, we strongly recommend that you perform your own due diligence on each potential Service Provider prior to selecting and/or entering into any type of agreement or other arrangement with any particular Service Provider. In addition, once we refer your Request to the Service Providers, IRS has no further involvement in any transactions that occur between you and the Service Provider(s). IRS neither recommends nor endorses any specific products, opinions, or other Site Content that may be made available through or mentioned on the Site.
IRS IS NOT RESPONSIBLE OR LIABLE FOR ANY SERVICE PROVIDER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH SERVICE PROVIDER MAY PROVIDE, FOR ANY SERVICE PROVIDER’S CONTACTING OR FAILURE TO CONTACT YOU, FOR ANY SERVICE PROVIDER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY SERVICE PROVIDER.
No substitute for professional advice – We provide all Site Content and Site Services solely for your convenience, and such Site Content and Site Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We are not responsible for the accuracy or reliability of any Site Content or the Site Services. Site Content is not exhaustive and should not be considered complete or up-to-date. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Site Content or Site Services available through the Site. The relationship between you and us is not a professional or similar relationship; always seek the advice of a qualified professional with respect to any questions that you may have, and never disregard professional advice or delay in seeking it because of something that you have read on the Site.
Rules of Conduct
– You must be at least 18 years old to use the Site
– You must not post violent, nude, partially nude, discriminatory, unlawful, infringing, hateful, pornographic or sexually suggestive photos or other content via the Site.
– You are responsible for any activity that occurs through your account and you agree you will not sell, transfer, license or assign your account, followers, username, or any account rights. With the exception of people or businesses that are expressly authorized to create accounts on behalf of their employers or clients, IRS prohibits the creation of and you agree that you will not create an account for anyone other than yourself. You also represent that all information you provide or provided to IRS upon registration and at all other times will be true, accurate, current and complete and you agree to update your information as necessary to maintain its truth and accuracy.
You must not create accounts with the Site through unauthorized means, including by using an automated device, script, bot, spider, crawler or scraper.
– You must not solicit, collect or use the login credentials of other Site users.
– You must not use the Site to defame abuse, harass, stalk, threaten or otherwise violate the legal rights of others, including others’ privacy rights or rights of publicity, or harvest or collect personally identifiable information about other users of the Site.
– You must not use the Site for any illegal or unauthorized purpose. You agree to comply with all laws, rules and regulations (for example, federal, state, local and provincial) applicable to your use of the Site, including copyright laws.
– You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links and other content or materials that you submit, post or display on or via the Site.
You must not interfere or disrupt the Site or servers or networks connected to the Site Services, including by transmitting any worms, viruses, spyware, malware or any other code of a destructive or disruptive nature. You may not inject content or code or otherwise alter or interfere with the way any Site page is rendered or displayed in a user’s browser or device.
– You must not use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Site content or reproduce or circumvent the navigational structure or presentation of the Site without IRS’s express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), IRS grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions, either generally or in specific cases, at any time.
– You must not restrict or inhibit any other person from using the Site (including by hacking or defacing any portion of the Site).
– You must not reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site.
– Except as expressly permitted by applicable law, you must not modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site.
– You must not remove any copyright, trademark or other proprietary rights’ notices from the Site or materials originating from the Site.
– You must not frame or mirror any part of the Site without IRS’s express prior written consent.
– You must not create a database by systematically downloading and storing all or any Site content.
Jurisdictional Issues – The Site is controlled and/or operated from the United States, and is not intended to subject us to non-U.S. jurisdiction or laws, except as otherwise expressly stated in this Agreement. The Site may not be appropriate or available for use in some jurisdictions outside of the United States. In choosing to access the Site, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations, including any export controls, embargoes or other rules and regulations restricting exports. We may limit the Site’s availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.
Links to third party sites – IRS may provide links to external websites or resources for your convenience and reference only. IRS does not endorse and is 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 IRS, or its Service Providers arising out of your use of external websites or resources.
Registration; Usernames and Passwords – You may be required to register with IRS in order to access certain services or areas of the Site. With respect to any such registration, IRS may refuse to grant you, and you may not use, a username (or email address) that violates the intellectual property or other rights of any person; that is offensive; or that IRS rejects for any other reason in its sole discretion. Your username and password are for your personal use only, and not for use by any other person. You are responsible for maintaining the confidentiality of any password you may use to access the Site, and agree not to transfer your password or username, or lend or otherwise transfer your use of or access to the Site, to any third party. You are fully responsible for all interaction with the Site that occurs in connection with your password or username. You agree to immediately notify IRS of any unauthorized use of your password or username or any other breach of security related to your account or the Site, and to ensure that you “log off”/exit from your account with the Site (if applicable) at the end of each session. IRS is not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.
Submissions – For purposes of clarity, you retain ownership of any information, content and/or materials that you submit through the Site (each, a “Submission”). Please note, however, that we need certain rights to your Submissions to be able to make them available on the Site. Accordingly, you hereby grant to IRS a worldwide, non-exclusive, transferable, sub-licenseable (through multiple tiers), royalty-free, perpetual, irrevocable right and license, without compensation to you: to use, reproduce, distribute, adapt (including edit, modify, translate, and reformat), create derivative works of, transmit, publicly display, publicly perform and otherwise exploit such Submission, in any media now known or hereafter developed. For each Submission, you represent and warrant that you have all rights necessary for you to grant the licenses granted in this section, and that such Submission, and your provision thereof to and through the Site, comply with all applicable laws, rules and regulations. Further, to the extent permitted under applicable law, you irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory. IRS requests this waiver to help ensure that IRS has all the rights it may need to provide the Site Services available through the Site. In addition, IRS has no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party of information voluntarily made public through any other part of the Site. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A SUBMISSION, YOU DO SO AT YOUR OWN RISK. You acknowledge and agree that IRS reserves the right (but have no obligation) to do any or all of the following, at its sole discretion: (i) monitor, evaluate or alter Submissions before or after they appear on the Site (including through the use of automated filtering software); and (ii) refuse, reject or remove any Submission at any time or for any reason (including through the use of automated filtering software or if IRS determines, in its sole discretion, that all rights, consents, releases and permissions have not been obtained by you despite your representations above).
Proprietary Rights – All of the material included on the Site, including trademarks, text, graphics, logos and service marks, is the property of IRS and other parties. U.S. and international copyright laws protects all Site Content available on the Site. Your use of the Site Services and the Site Content does not transfer to you any ownership or other rights in the Site Services or the Site Content. You may download Site Content displayed on the Site for your personal, noncommercial use only, provided you also retain all copyright and other proprietary notices contained on the Site Content. You may not modify, copy, distribute, transmit, display, publish, sell, license, or create derivative works using any of the Site Content for commercial or public purposes.
Consent to Electronic Communications – When you visit IRS’s Site or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by email or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
If you submit a request to be matched with one of our third party lenders, please note that these third party lenders are required by law to provide you with certain communications, notices, disclosures, information and other materials (“Communications”). These third party lenders must obtain your consent in order to provide you with these Communications electronically. By submitting a request to be matched with one of our third party lenders, you affirmatively consent and agree to receive all Communications required under law electronically in accordance with the terms of InterestRateSolutions.com E-SIGN CONSENT.
PLEASE READ THE TERMS OF THE InterestRateSolutions.com E-SIGN CONSENT CAREFULLY.
While IRS takes commercially reasonable steps to safeguard and to prevent unauthorized access to your information and registration data, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL IRS BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY’S UNAUTHORIZED ACCESS TO YOUR INFORMATION OR REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER IRS WAS GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.
LIMITATION OF LIABILITY. IRS AND ITS SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SITE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SITE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF IRS OR ITS SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL IRS AND ITS SERVICE PROVIDERS EVER BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT OR UNDER OTHER FAULT OR WRONGDOING BY IRS OR ITS SERVICE PROVIDERS OR ANY PERSON FOR WHOM EITHER IRS OR ITS SERVICE PROVIDERS ARE RESPONSIBLE, IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO IRS FOR THE USE OF THE SITE WHICH IS THE SUBJECT OF THE CLAIM.
Indemnification – You agree to indemnify and hold IRS, its subsidiaries, affiliates, officers and 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 the Site, the violation of this Agreement by you, or the infringement by you, or other user of the Site using your computer, of any intellectual property or other right of any person or entity. Even though prohibited, people may provide information that is offensive, false, harmful, or deceptive. IRS and its Service Providers assume no responsibility whatsoever for such content or actions.
RELEASE – YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE IRS AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE.
ARBITRATION – THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND IRS 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 IRS INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.
Except if you opt-out or for disputes relating to: (i) yours or IRS’s intellectual property (such as trademarks, trade dress, domain names, trade secrets, copyrights and patents); or (ii) violations of provisions 6.d or 6.i of this Agreement, you agree that all disputes between you and IRS (whether or not such dispute involves a third party) with regard to your relationship with the Site, including disputes related to this Agreement, your use of the Site, and/or rights of privacy and/or publicity, will be resolved by binding, individual arbitration under the American Arbitration Association’s rules for arbitration of consumer-related disputes and you and IRS hereby expressly waive trial by jury. As an alternative, you may bring your claim in your local “small claims” court, if permitted by that small claims court’s rules. You may bring claims only on your own behalf. Neither you nor IRS will participate in a class action or class-wide arbitration for any claims covered by this Agreement. You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person’s account, if IRS is a party to the proceeding. This dispute resolution provision will be governed by the Federal Arbitration Act. In the event the American Arbitration Association is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either IRS or you can elect to have the arbitration administered instead by the Judicial Arbitration and Mediation Services. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies or awards that conflict with this Agreement.
You may opt out of this agreement to arbitrate. If you do so, neither you nor IRS can require the other to participate in an arbitration proceeding. To opt out, you must notify IRS in writing within 30 days of the date that you first became subject to this arbitration provision. You must use this address to opt out:
Interest Rate Solutions
2312 Park Ave. Suite 215
Tustin, CA 92782
You must include your name and residence address, the email address you used, and a clear statement that you want to opt out of this arbitration agreement.
If the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then all of the preceding language in this Arbitration Clause will be null and void. This arbitration agreement will survive the termination of your relationship with IRS.
In any arbitration, IRS will pay the filing, administration, service or case management fee, plus the costs associated with the first day of arbitration, with the remaining costs to be paid by the non-prevailing party. IRS will pay additional arbitration expenses to the extent that the arbitrator determines that IRS must do so in order to ensure the enforceability of this Arbitration Clause. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law.
The arbitrator’s award is final and binding on all parties, except that the losing party may request a new arbitration under the rules of the arbitration organization by a three-arbitrator panel.
Claims of Copyright Infringement – The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices should be sent to:
Interest Rate Solutions
2312 Park Ave. Suite 215
Tustin, CA 92782
We suggest that you consult your legal advisor before submitting a notice or counter-notice.
Governing Law – The Agreement shall be governed by and construed in accordance with the laws of the State of California (without regard to conflict of law provisions thereof). If any provision(s) of the Agreement is held contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. The failure of IRS to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by IRS in writing. The section titles in the Agreement are used solely for the convenience of the parties and have no legal or contractual significance.
I expressly authorize the third party lender I am matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the third party lender for the purpose of evaluating me for credit.