Corporate Office located in Bucks County, Pennsylvania

Rate information is gathered from multiple lending sources.  It should be used for research purposes only, understanding average rates available on the market and not relied on for your actual interest rate. Your rate, terms, pre-paid finance charges and APR may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self-employment status of the applicant(s), condo or townhouse structure, loan amount and geographic location of the property and other considerations.. Contact your lender for specific rates the meet your particular financial situation. TrueRate.com is not responsible for the accuracy of information or responsible for the accuracy of the rates, APR or loan information posted by brokers, lenders or advertisers.  TrueRates.com is not associated with the government, and our service is not approved by the government or your lender.This is not, and is not intended to be, a mortgage application. Once you have completed this expression of interest (or information request form) your information will be sent to our participating lenders. Please note that TrueRates.com is not a mortgage lender. You will be contacted by telephone and/or email. By submitting your expression of interest you are consenting to receive telephone calls from our participating lenders even if you have previously listed yourself on any internal company, state or federal Do-Not-Call List.   General Agreement, Terms and Conditions Privacy Policy    Adverising Disclosure


General Terms Agreement


Date of Last Revision: May 1, 2014.

Welcome to our website ("www.TrueRates.com").


1. Introduction

•1.1 TrueRates.com ("TR" or "we" or "our" or "us") is the owner and operator of this Website. TR, via our Website, provides a lead generation service that matches the needs of the consuming public searching for competitive mortgage rates with the rates available from a our participating lenders ("Lenders").


•1.2 Your use of TR's products, software, services, servers and Website (referred to collectively as our "Service" in this document) is subject to the terms and conditions of a binding and enforceable agreement ("Agreement") between you and TR, as defined herein. By using our Service you acknowledge and agree that you have fully read and agree to be bound by the provisions of this Agreement. If you do not agree to be bound by this Agreement in its entirety, then you must immediately stop using our Service.


•1.3 PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING A USER'S LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED. IT ALSO CLEARLY SPECIFIES THE MANNER BY WHICH ACCEPTANCE OF THIS AGREEMENT OCURRS. THE LIMITATIONS AND EXCLUSIONS CONTAINED HEREIN FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND TR.


2. General Terms

•2.1 The terms and conditions provided herein (the "General Terms") apply to all users of our Service, including Lenders and the public at large ("Users"). If you register on our Service as a Lender then additional terms and conditions will apply ("Registered User").


•2.2 For the purposes of the General Terms "you" means an individual member of the consuming public that is using our Service to search for competitive mortgage rates on the Internet, or the business entity whose authorized agent is registering as a qualified Lender on our Service, depending on the context.


•2.3 The General Terms contained herein are included by reference in the subsequent agreements entered into between TR and a Registered User and constitute the minimum terms and conditions controlling use of our Service. The term Agreement, as used herein, refers to the General Terms and to any agreement entered into between a Registered User and TR that includes the General Terms by reference.


•2.4 Our Service includes all pages on our Website's domain (www.TrueRates.com) and all pages on any related sub-domains, all of which are controlled by this Agreement.


3. Acceptance and Modifications

•3.1 TR reserves the right to change or revise this Agreement at any time by posting a notification on our Website. TR, at its sole discretion, may provide a Registered User notification via other mechanisms, but is not required to do so.


•3.2 You are required to affirmatively accept this Agreement when becoming a Registered User by reading this Agreement and clicking "I Agree." As a Registered User you are also required to affirmatively accept any future revisions to this Agreement in a similar manner. TR maintains a record of acceptance for each Registered User, including the version of this Agreement accepted by you whenever you click "I Agree."


•3.3 TR will notify you of revision dates to this Agreement by posting the "last revised date" preceding the first paragraph of this document. The revised Agreement will take effect immediately after it has been posted on our Website.


•3.4 All Lenders are required to become Registered Users on our Service in order to participate in TR's Lender network ("Network").


4. Eligibility

•4.1 TR requires, and enforces, strict compliance with our eligibility ("Eligibility") requirements, as defined herein. Our Service is not intended for individuals under the age of 18. It is intended solely for members of the consuming public that are of legal age and Lenders that want to participate in our Network. Registration on our Service is reserved for qualified Lenders and therefore, registration by any other person or entity is strictly prohibited, unauthorized, unlicensed, void, and in violation of this Agreement.


•4.2 By registering on our Service you assert and warrant that you are doing so for the purpose of using our Service as a qualified Lender. Lender qualification is determined by TR, in its sole discretion, but at a minimum requires Lenders to possess all state, federal and local licenses required to make its products or services ("Offerings") available on our Service. Registration for any other purpose violates this Agreement and is strictly prohibited. By registering on our Service you further assert and warrant that you are of legal age and possess the legal capacity to enter into this Agreement on behalf of the entity you represent.


5. Account Registration

•5.1 As a Registered User you are required to provide us accurate, current, reliable and otherwise valid data when completing the registration forms that establish your account ("Account") on our Service and you agree that such data must be kept current and revised in a timely manner when events occur that may alter its validity.


•5.2 As a Registered User you agree that you are solely responsible for the data and activities related to updating and maintaining your Account, notwithstanding the fact the TR may, for technical or other reasons, assist you in making changes to your Account at your direct request, and after proper verification.


•5.3 Registration on our Service requires you to maintain security credentials that allow you access to your Account. The credentials include a user identifier and a corresponding password. You may also be required to establish additional credentials should TR deem them necessary to protect the integrity of our Service. You agree that you are responsible for maintaining the confidentiality of said credentials.


6. Marketplace Intermediary

•6.1 TR is a marketing lead generator ("MLG"). As such, TR DOES NOT PERFORM ANY OF THE FOLLOWING BUSINESS FUNCTIONS ON YOUR BEHALF, OR ON BEHALF OF OUR LENDERS, OR ON BEHALF OF ANY THIRD PARTY: a) take loan applications; b) make loans; c) make credit decisions; d) retrieve credit scores; and e) issue commitments or lock-in agreements.


•6.2 As an MLG, TR simply gathers some basic information about your mortgage requirements ("Submission") and forwards this information to certain Network members, depending on the information in your Submission, which subsequently may provide you with conditional loan offers and other services ("Offerings").


•6.3 You acknowledge and agree that TR is not recommending any particular Lender and is not acting as your agent with respect to your interaction with its Network. You further acknowledge and agree that TR has not charged you a fee for your Submission or for any other function or feature provided by our Service.


•6.4 You acknowledge and agree that the requirements of any Offerings made available by a Lender including, but not limited to, rates and fees where applicable, are made by the Lender and that TR does not endorse, warrant or guarantee any such Offerings, nor does TR participate in the transaction between you and a Lender pertaining to said Offerings.


•6.5 You acknowledge and agree that by providing TR with a Submission you are consenting to be contacted by one or more Lenders in our Network and by any suitable medium including, but not limited to, via a mobile device or email, based on the information provided in said Submission, even if you have opted out of a National, State, or company Do Not Call list.


•6.6 You acknowledge and agree that a Lender may maintain information provided by you in your Submission, even if said vendor does not respond to your Submission with one or more offerings. You further acknowledge and agree that it is your responsibility to contact a Lender directly if you no longer want to receive further communications from said Lender.


•6.7 You acknowledge and agree that Lenders in our Network expressly reserve the right to terminate the availability of any and all Offerings, at the Lenders' sole discretion, and that TR has no control over Lender Offerings, with respect to availability, terms, or in manner whatsoever.


7. Limited License

•7.1 All content on our Service including designs, text, graphics, pictures, video, information, applications, software, music, sound and other files, and their selection and arrangement (the "Information"), are the property of TR or its licensors with all rights reserved.


•7.2 If you meet the requirements of Eligibility, and have properly gained access to our Service as provided for in this Agreement, then you are granted a limited license to use our Service and the Information, and to download and print a copy of any portion of the Information for non-commercial use, provided that you keep all copyright or other proprietary notices intact.


•7.3 As pertaining to all the Information you may not make available, in any form and by any mechanism, said Information on any public or private website or incorporate the Information in any other database or compilation.


•7.4 Any use of the Information, other than as set forth herein, is strictly prohibited. This limited license allows you to use the Information only for lawful uses in accordance with the foregoing and does not allow you to sell the Information, use the Information for commercial use, or use any type of data mining, robots, or similar data gathering or extraction methods on our Service.


•7.5 Absent prior written consent from TR, you may not copy or imitate any elements of our Service, including but not limited to, graphics, digital images, logos, sounds, images, and buttons protected by trade dress and other laws. Absent prior written consent from TR, you may not use framing, metatags, or hidden text techniques in association with our logo, trademark or other copyrighted or proprietary information.


•7.6 Unless expressly stated in this Agreement, or in a subsequent agreement entered into by TR and a Registered User, nothing herein shall be construed as conferring any license to intellectual property rights, in any form or by any mechanism.


•7.7 The TR limited license is revocable at any time without notice and with or without cause.


8. Transmissions

•8.1 As defined herein, transmissions ("Transmissions") may take the form of Submissions, questions, comments, suggestions, ideas, feedback, notes, messages, e-mails, postings, letters, or other written materials about, or concerning, our Service, provided by you to TR. You acknowledge that Transmissions by you to and from our Service are non-confidential, and that others may read and/or intercept such Transmissions.


•8.2 TR has the right, but not the obligation, at its sole discretion, to review any Transmissions submitted to our Service and to edit or delete any Transmissions that violate any part of this Agreement. You hereby consent to TR's collection and use of such Transmissions in accordance with TR's then current Privacy Policy and acknowledge that submitting Transmissions to our Service creates no financial or fiduciary relationship between you and TR.


•8.3 By using our Service, you thereby assign all right, title, and interest, including the copyright therein, in all Transmissions, to TR. Accordingly, TR shall own all intellectual property rights in the Transmissions and shall be entitled to unrestricted use of the Transmissions for any purpose, commercial or otherwise, without acknowledgment, compensation, or liability to you. By submitting such Transmissions to our Service, you irrevocably waive all "moral rights" in such Transmissions.


9. Indemnification

•9.1 You agree to defend, indemnify, and hold TR, its parents, subsidiaries, affiliates, officers, agents and employees, its suppliers and their respective affiliates and agents harmless from all claims, liabilities, damages, and expenses (including attorneys' fees and expenses) arising out of or relating to your use of our Service, including but not limited to: (1) your submission to our Service of any Transmission; (2) your alleged breach of this Agreement; or (3) your infringement of any intellectual property or other right of any person or entity.


•9.2 TR acknowledges and agrees that the indemnification sought in 9.1 is limited to acts that are directly or indirectly under your control regarding your use of, or inability to use, our Service, and does not extend beyond that.


10. Limitations of Liability

•10.1 IN NO EVENT SHALL TR BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM YOUR USE OR INABILITY TO USE OUR SERVICE; OR FOR THE LOSS OF PROFITS OR DAMAGES THAT MAY RESULT FROM THEFT, DELAYS, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, VIRUSES, FAILURE OF PERFORMANCE, DESTRUCTION OR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF USE, PROFITS, DATA OR OTHER INTANGIBLES WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE); OR OTHERWISE, EVEN IF TR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.


•10.2 APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES OR EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH CASES, THE ABOVE LIMITATION OF LIABILITY MAY NOT APPLY TO YOU. TO THAT EXTENT, TR'S TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION SHALL NOT BE GREATER THAN THE TOTALITY OF PAYMENTS MADE BY YOU TO TR IN EXCHANGE FOR ALLOWING YOU TO USE OUR SERVICE DURING THE PAST THREE MONTHS PRIOR TO THE COMMENCEMENT OF ANY LEGAL ACTION OR PROCEEDING, OR $100.00 USD, WHICHEVER IS LESS.


11. DISCLAIMER

•11.1 YOU ACKNOWLEDGE THAT OUR SERVICE AND THE INFORMATION THEREIN ARE PROVIDED ON AN "AS IS" BASIS AND THAT TR MAKES NO REPRESENTATIONS OR WARRANTIES, EITHER EXPRESS OR IMPLIED, REGARDING OUR SERVICE OR THE INFORMATION. TR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.


•11.2 BY USING, OR ATTEMPTING TO USE, OUR SERVICE, YOU EXPRESSLY ACKNOWLEDGE THE FOLLOWING:

◦(1) THE INFORMATION COULD INCLUDE TECHNICAL INACCURACIES AND/OR TYPOGRAPHICAL ERRORS;

◦(2) TR DOES NOT REPRESENT OR WARRANT THE TIMELINESS, RELIABILITY, COMPLETENESS, OR ACCURACY OF THE INFORMATION; AND

◦(3) TR DOES NOT REPRESENT OR WARRANT THAT OUR SERVICE OR ANY RELATED SERVERS ON WHICH IT RESIDES ARE FREE OF ERRORS OR VIRUSES OR OTHER POTENTIALLY DAMAGING CONTENT.


•11.3 TR MAY PERIODICALLY MAKE CHANGES TO ANY SERVICE CONTENT, INFORMATION, FEATURES OR FUNCTIONS. TR RESERVES THE RIGHT TO IMPLEMENT SUCH CHANGES AT ANY TIME WITHOUT NOTICE TO YOU, OTHER THAN THAT WHICH IS SET FORTH IN THIS AGREEMENT.


•11.4 UNLESS SPECIFICALLY INDICATED IN WRITING TO THE CONTRARY, NO REFERENCE IN OUR SERVICE TO ANY PRODUCTS, PROCESSES, SERVICES OR OTHER INFORMATION BY TRADE NAME, TRADEMARK, MANUFACTURER, SUPPLIER, OR OTHERWISE, SHALL CONSTITUTE OR IMPLY TR'S ENDORSEMENT OR SPONSORSHIP THEREOF.


12. Links

•12.1 Our Service may include hypertext links to other websites over which TR has no control. TR makes no representations of any kind regarding the content on such websites or the content on any website linked to such websites or to any changes or modifications made thereto.


•12.2 You hereby acknowledge that by using any such hypertext links, you irrevocably waive any and all claims against TR regarding such websites and must adhere to the usage and privacy policies governing such sites. TR's usage of links does not imply our endorsement, or sponsorship, of any such websites.


13. Intellectual Property Rights of Third Parties


•13.1 TR respects the intellectual property rights of others and requires Users of our Service to do likewise. TR prohibits Users from making available, in whatever form and by whatever mechanism, content on our Service that infringes upon any party's intellectual property rights.


•13.2 TR has the right to terminate the Account of any infringing Registered User and will take steps to do so immediately upon proper notification and in compliance with applicable law. You acknowledge and agree that a violation of the intellectual property rights of others on our Service triggers the Indemnification as provided for herein.


14. Trademark

•14.1 All trademarks used on our Service are the property of their respective owners and may not be used without permission therefrom.


•14.2 Whether or not specifically designated as such, TrueRates.com and all other colors, graphics, logos, sounds, images, icons and buttons displayed on our Service are or may be trademarks of TR or its affiliates.


•14.3 Absent prior written consent from TR, you may not copy, imitate, or use any portion of these marks.


15. User Conduct Restrictions: Impermissible Use and Activities

•15.1 You agree not to use our Service to transmit data or code which: (1) is unlawful, threatening or abusive; (2) encourages criminal or other activity that would reasonably give rise to civil liability or otherwise violate any local, state, federal, or international law; (3) contains false or misleading information; (4) inhibits another User from use or enjoyment of our Service; (5) is defamatory, libelous or otherwise unlawful; (6) contains a virus or surreptitious code; (7) contains any type of commercial component or advertising; or (8) allows for the harvesting of email addresses or other contact information, or the harvesting of information of any kind.


•15.2 Furthermore, you agree not to use our Service to engage in the following kinds of activities: (1) transmit, upload, post, store, and share content of any kind, and by any other mechanism, that you are not the lawful owner or licensee of; (2) register for more than one Account or register an Account in the name of another; (3) impersonate a person or entity or make misrepresentations regarding affiliations of any kind; (4) engage in any kind of behavior that can reasonably be construed as SPAMMING; (5) engage in any behavior likely to cause harm to TR, our Service, its Users, or to the public at large.


16. Data Collection

•16.1 Your Transmissions are subject to TR's Privacy Policy. By using our Service you agree to review TR's Privacy Policy and to be bound by its terms and conditions. From time to time TR may change its Privacy Policy without notice to you, other than that provided for in the Policy. Your continued use of our Service, after the posting of any changes to said Policy, shall constitute your agreement and acceptance of such changes.


•16.2 TR does not knowingly collect personally identifiable information (or information of any other kind) directly from anyone under the age of 18, with or without parental consent. If you have a good faith belief that TR has inadvertently collected such information, please contact TR at legal@TrueRates.com. TR will take immediate steps to remove such information from our Service and from any databases under TR's control.


17. Governing Law

•17.1 The laws of the State of Pennsylvania, United States of America shall govern this Agreement, as well as TR's Privacy Policy, notwithstanding any principles of conflicts of law.


•17.2 You agree that any action at law or in equity arising out of or relating to this Agreement or TR's Privacy Policy, other than those disputes or claims subject to Arbitration as enumerated below, shall be filed only in state or federal court located in the State of Nevada, in a venue sitting, or most proximate to, Clark County, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such action.


18. Arbitration

•18.1 Any claim or controversy arising among or between the parties hereto pertaining to our Service, or any claim or controversy arising out of, or with respect to, any matter contained in this Agreement, or any differences as to the interpretation or performance of this Agreement, other than those wherein either party has infringed or threatened to infringe the other party's intellectual property rights, or wherein you have violated our User Conduct Restrictions, shall be settled by arbitration in the State of Nevada. Such arbitration shall be before three arbitrators of the American Arbitration Association (the "AAA") under its then prevailing rules.


•18.2 Intellectual property rights, as defined herein, include patent, copyright, trademark or trade secrets. You and TR jointly acknowledge that arbitration is not an adequate remedy at law for actual or threatened infringement of either party's intellectual property rights. Therefore, it is agreed that injunctive or other appropriate relief may be sought under these circumstances.


•18.3 In any arbitration involving this Agreement, the arbitrators shall not make any award that will alter, change, cancel or rescind any provision in this Agreement, and their award shall be consistent with the provisions of this Agreement. Any such arbitration must be commenced no later than one (1) year from the date such claim or controversy arose, or the claim is waived.


•18.4 The award of the arbitrators shall be final and binding and judgment may be entered thereon in any court of competent jurisdiction.


19. Termination

•19.1 Either you or TR may terminate this Agreement. You may terminate this Agreement by destroying all materials obtained from our Service and, if you are a Registered User, by providing a termination notice to TR at legal@TrueRates.com. TR may terminate this Agreement immediately, without notice for any reason, or no reason, and reserves the right to block or prevent your future access to our Service.


•19.2 Should you or TR decide to terminate this Agreement then TR will prevent access to your Account on our Service. TR agrees to make a good faith effort to resolve an outstanding dispute between TR and a Registered User, if any exist, prior to termination. TR, at its sole discretion, may restore access to your Account if the dispute has been resolved to its satisfaction.


•19.3 You acknowledge and agree that termination of this Agreement by either party pertains solely to your use of our Service, and has no effect on other contractual obligations that may exist between the parties, which remain in full force and effect.


20. Severability

•If any portion of this Agreement or of TR's Privacy Policy is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, that portion will be deemed severable and will not affect the validity and enforceability of any remaining provisions hereof.


21. Entire Agreement

•This Agreement contains all of the terms and condition agreed to by you and TR with respect your use of our Service. It supersedes all prior agreements, arrangements and communications between the parties dealing with same, whether oral or written.


22. Definitions and Constructions

•Unless otherwise specified, the terms "includes", "including", "e.g.,", "for example", and other similar terms are deemed to include the term "without limitation" immediately thereafter.


Privacy Policy


This privacy statement describes how TrueRates.com collects and uses the personal information you provide on our Web site: www.truerates.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.


We want you to understand what information we gather about you; how we use it and the safeguards we have in place to protect it. This Privacy Policy applies to information collected through this website and otherwise. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as the website's General Terms and all its dispute resolution provisions, including arbitration, limitation on damages and choice of law.


This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.


If you have questions or concerns regarding this policy, you should first contact us at infol@truerates.com.


Collection and Use of Personal Information


We collect the following personal information from you:

•Contact Information such as name, email address, mailing address, and phone number

•Financial information such as current property value, loan amount, interest rate, loan type and origination date



We use this information to:

•Assess your loan needs

•Match you with a lender who can provide you with a loan quote

•Send you requested product or service information

•Respond to customer service requests

•Administer your account

•Send you a newsletter

•Send you marketing communications

•Improve our Web site and marketing efforts

•Conduct research and analysis

•Display content based upon your interests


Referrals for Mortgage Business: Be aware that the Lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from ours.


By clicking the Get Rates Now (Get Rates) button, you agree to have your information shared and to be matched with an approved lender and consent (not required as a condition to purchase a good/service) for us or them to contact you via telephone, mobile phone (including through automated dialing, text SMS/MMS, or pre-recorded messaging) and/or email, even if your telephone number is on a corporate, state, or the National Do Not Call Registry, and you agree to our Privacy Policy.


Referrals for your Non-Mortgage Business: When you express interest in other products, services, promotions that we offer (by, for example, completing a request for such services, or clicking to get more information), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, "Business Providers"). When you choose to participate in a particular offer or program, you authorize us to provide your personal information to those Business Providers. Be aware the Business Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.


Special Notice to California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

1. We will not share any personal information about you to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and

2. You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

◦1.1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year

◦1.2. the names and addresses of the third parties that received that information; and

◦1.3. if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.



We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is info@truerates.com.


Special Notice to Vermont Residents. We will not share any personal information about you with other Businesses to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at info@truerates.com.


Choice/Opt-out


You may choose to stop receiving our newsletter or marketing emails by contacting us at info@truerates.com.


Information Sharing


We will share your personal information with third parties only in the ways that are described in this Privacy Statement. We may provide your personal information to companies that provide services to help us with our business activities such as offering customer service. These companies are authorized to use your personal information as is necessary to provide these services to you.


We may also disclose your personal information:

•As required by law such as to comply with a subpoena, or similar legal process.

•When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a government request,

•If TrueRates.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

•To any other third party with your prior consent to do so.

•We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at info@truerates.com.



Cookies and Other Tracking Technologies


We may use cookies, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.


We may use another company to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our site.


Web Beacons


Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communication and marketing campaigns.


We may use a third party to gather information about how you and others use our Web site. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our site is used.


Links to Other Web Sites


Our Site includes links to other Websites whose privacy practices may differ from those of TrueRates.com. If you submit personal information to any of those sites, your information is governed by their privacy policy statements. We encourage you to carefully read the privacy statement of any Web site you visit.


Security


The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security of our Web site, you can contact us at info@truerates.com.


Additional Policy Information


Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.


Our Web site offers publicly accessible blogs, social media, or community forums such as Facebook, Twitter, or Google Plus. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.


Visiting our Websites From Outside the United States.


This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.


No Rights of Third Parties.


This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.


Notification of Privacy Policy Statement Changes


We may update this privacy statement to reflect changes to our information practices or changes in regulations governing privacy. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.


Fair Housing


About Fair Housing and Equal Opportunity


U.S. Department of Housing and Urban Development (HUD)


HUD's goal is to create equal housing opportunities for all persons living in America by administering laws that prohibit discrimination in housing on the basis of race, color, religion, sex, national origin, age, disability, and familial status.


What HUD Can Do For You


HUD's Office of Fair Housing and Equal Opportunity administers federal laws and establishes national policies that ensure all Americans have equal access to the housing of their choice. Particular activities carried out by the Office include implementing and enforcing the Fair Housing Act and other civil rights laws, including Title VI of the Civil Rights Act of 1964, Section 109 of the Housing and Community Development Act of 1974, Section 504 of the Rehabilitation Act of 1973, Title II of the Americans with Disabilities Act of 1990, the Age Discrimination Act of 1975, Title IX of the Education Amendments Act of 1972, and the Architectural Barriers Act of 1968.


In addition, the Office:

•manages the Fair Housing Assistance Program, administers the award and management of Fair Housing Initiatives Program grants, and proposes fair housing legislation;

•works with other government agencies on fair housing issues;

•reviews and comments on Departmental clearances of proposed rules, handbooks, legislation, draft reports, and notices of funding availability for fair housing considerations;

•interprets policy, processes complaints, performs compliance reviews and offers technical assistance to local housing authorities and community development agencies regarding Section 3 of the Housing and Urban Development Act of 1968;

•ensures the enforcement of federal laws relating to the elimination of all forms of discrimination in the Department's employment practices;

•conducts oversight of the Government-Sponsored Enterprises, Fannie Mae and Freddie Mac, to ensure consistency with the Fair Housing Act and the fair housing provisions of the Federal Housing Enterprises Financial Safety and Soundness Act; and

•works with private industry, fair-housing and community advocates on the promotion of voluntary fair housing compliance.


For more information about fair housing practices, please visit the HUD website. http://portal.hud.gov/hudportal/HUD