Terms of Service

Acceptance of Terms

Welcome to Refinancerate.com, operated by Better Offers Inc. ("Company," "we," "us," or "our"). By accessing or using our website, services, calculators, or any content we provide, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you may not use our website or services. We reserve the right to modify these Terms at any time. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

Description of Services

Refinancerate.com provides:

• Mortgage Rate Information: Current mortgage rate averages and trends for various loan types
• Refinance Calculators: Tools to estimate potential savings, payments, break-even points, and amortization schedules
• Educational Content: Guides, articles, and resources about refinancing, mortgage products, and home financing
• Quote Request Service: A platform to submit refinance inquiries and connect with licensed lenders
• Newsletter Service: Weekly rate updates and refinancing tips via email

Our services are provided "as is" and are subject to availability. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice.

Not Financial Advice Disclaimer

Important: The information provided on Refinancerate.com is for educational and informational purposes only. It is not financial advice, legal advice, or a recommendation to refinance.

While the owner of Better Offers Inc., Bill McCoy, is a licensed mortgage broker in California (DRE #01212512), the content on this website does not constitute personalized financial advice or counseling. Every borrower's situation is unique, and refinancing decisions should be based on your specific circumstances, financial goals, and professional consultation.

Always consult with a licensed mortgage professional, financial advisor, or attorney before making refinancing decisions.

Rate Accuracy Disclaimer

Mortgage rates displayed on Refinancerate.com are national averages and are updated regularly based on publicly available data. However:

• Rates are subject to change without notice and may vary by lender, location, and market conditions
• Displayed rates assume excellent credit (740+ credit score), standard loan amounts, and other optimal conditions
• Your actual rate may be higher or lower depending on your credit score, loan-to-value ratio, property type, debt-to-income ratio, and other factors
• Rates shown do not include all lender fees, points, or closing costs
• We do not guarantee the availability of any specific rate

The only way to get an accurate rate quote is to submit a loan application and receive a Loan Estimate from a lender.

User Obligations

When using Refinancerate.com, you agree to:

• Provide accurate, complete, and truthful information when submitting quote requests or contacting us
• Use our services only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with, disrupt, or compromise the security of our website or services
• Not use automated tools (bots, scrapers) to access or collect data from our website without permission
• Not impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Not use our services to transmit spam, viruses, or malicious code
• Not submit false or fraudulent information

We reserve the right to suspend or terminate your access to our services if you violate these Terms or engage in abusive or fraudulent behavior.

Quote Requests and Lender Matching

When you submit a quote request through our website, you acknowledge and agree that:

• Your information will be shared with licensed lenders and mortgage brokers in our network
• These lenders may contact you via phone, email, or SMS to discuss refinancing options
• We are not responsible for the actions, offers, or practices of third-party lenders
• Each lender operates independently and has its own terms, conditions, and privacy policies
• You are not obligated to proceed with any lender or accept any loan offer
• We may receive compensation from lenders for leads generated through our platform (see Advertising Disclosure)

Intellectual Property

All content on Refinancerate.com—including text, graphics, logos, images, calculators, code, and design—is the property of Better Offers Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or republish our content without written permission
• Use our trademarks, logos, or branding without authorization
• Reverse engineer, decompile, or extract source code from our calculators or tools
• Create derivative works based on our content

You may share links to our articles and use our calculators for personal, non-commercial purposes. For commercial use or content licensing, contact us at mccoy@betteroffers.com.

Limitation of Liability

To the fullest extent permitted by law, Better Offers Inc., its officers, directors, employees, and affiliates shall not be liable for any:

• Direct, indirect, incidental, consequential, or punitive damages arising from your use of our services
• Losses resulting from inaccurate rate information, calculator errors, or reliance on content
• Damages caused by third-party lenders, their offers, or their conduct
• Service interruptions, technical errors, or unavailability of our website
• Unauthorized access to your information or data breaches beyond our reasonable control

You use our services at your own risk. Our total liability to you for any claim related to these Terms or our services shall not exceed $100.

Indemnification

You agree to indemnify, defend, and hold harmless Better Offers Inc. and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your submission of false or fraudulent information

Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Ventura County, California.

You agree to first attempt to resolve any dispute informally by contacting us at mccoy@betteroffers.com. If the dispute cannot be resolved within 30 days, you agree to binding arbitration under the rules of the American Arbitration Association.

Third-Party Services and Links

Our website may contain links to third-party websites, tools, or services (including lender partner sites). We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites.

Your interactions with third-party lenders, advertisers, or other entities found through our services are solely between you and that party. We are not liable for any loss or damage incurred as a result of such interactions.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy and Advertising Disclosure, constitute the entire agreement between you and Better Offers Inc. regarding your use of our services.

Contact Information

If you have questions about these Terms of Service, please contact us: