EFFECTIVE DATE: JUNE 18, 2021
- USE OF SITE
To access this Site or some of the resources it offers, You may be asked to provide certain contact information or other details. It is a condition of Your use of this site that all the information You provide on this Site will be correct, current, and complete. If RATE TRACKER believes the information You provide is not correct, current, or complete, RATE TRACKER has the right to refuse You access to this Site or any of its resources, and to terminate or suspend Your access at any time.
- PROHIBITED USE OF THE SITE
You may only use this Site for purposes expressly permitted by this Agreement. As a condition of Your use of RATE TRACKER’s Site, You warrant that You will not use the Site for any purpose that is unlawful or prohibited by this Agreement. For example, You may not (and may not authorize any party to) (i) co-brand this site, (ii) frame this Site, or (iii) hyper-link to this Site without the express prior written permission of an authorized representative of RATE TRACKER. For purposes of this Agreement, “co-branding” means to display a name, logo, or trademark, in such a manner as is reasonably likely to give a user the impression that such party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with RATE TRACKER in preventing any unauthorized co-branding, framing or hyper-linking. In addition, You may not use RATE TRACKER’s Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials, content, or information through any means not intentionally made available or provided for through the Site.
III. INTELLECTUAL PROPERTY
Trademarks, service marks, logos, and copyrighted works (including the collection and arrangement of content) appearing in this Site are the property of RATE TRACKER. Except as provided in this Agreement, RATE TRACKER does not grant You any express or implied right in or under any patents, trademarks, copyrights, or trade secret information. In accordance with the Limited Liability section of this Agreement, as part of the use of this Site, You agree not to bring any claim against RATE TRACKER, its affiliates, officers, directors, employees, agents, sponsors, third party content providers, licensors, licensees or the like for any claim of intellectual property infringement.
- HYPERLINKING/LINKED SITES
This Site may provide a link to other websites by allowing You to leave this Site to access third-party material (“Linked Site”). RATE TRACKER is not related to, nor does it have discretion to alter, update, or control the content on a Linked Site. RATE TRACKER has not reviewed such Linked Sites and is not responsible for the content of those sites. The fact that RATE TRACKER provides a link to a website is not an endorsement, authorization, sponsorship, or affiliation with respect to such website, its owners, or its providers. Linked Sites are to be accessed at the user’s own risk, and RATE TRACKER makes no representations or warranties about the content, completeness, or accuracy of these Linked Sites. You should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on this Site. RATE TRACKER is not responsible for such provisions and expressly disclaims any and all liability related to such provisions.
- INTERNATIONAL ACCESS; SANCTIONS & EXPORT POLICY
The Site is only intended for residents of the United States. However, the Site may be accessible from countries other than the United States. Any such access does not imply that the Site’s products or services will be made available outside the United States. If you access and use the Site outside the United States, you are responsible for complying with all applicable laws and regulations.
- DISCLAIMER OF WARRANTY
You expressly agree that use of the Site is at Your sole risk. Neither RATE TRACKER nor its affiliates, any of their officers, directors, employees, agents, third-party content providers, sponsors, or licensors (collectively, “Providers”), or the like, warrant that this Site will be uninterrupted or error-free; nor do they make any warranty as to the results that may be obtained from the use of this Site or as to the accuracy, completeness, reliability, or security of the Materials. This Site and the information, content, and materials on this Site are provided on an “as is,” “where is,” and “where available” basis. RATE TRACKER makes no representations or warranties of any kind, express or implied, as to the operation of the Site, or to the content, information, or the materials on this Site. RATE TRACKER expressly disclaims all warranties of any kind, express or implied, to the fullest extent permissible under applicable law, with respect to any of the materials, content, or information on this site or your use of this site generally, including warranties of merchantability, accuracy of information, quality, title, fitness for a particular purpose, and non-infringement. You, and on behalf of Your agents, attorneys, employees, predecessors-in-interest, successors-in-interest, partners, associates, members, officers, directors, affiliates, subsidiaries, associations, shareholders, trusts, trustees, heirs, executors, assigns, and transferees, hereby fully release, discharge, waive, and absolutely forgive RATE TRACKER, and each of its respective agents, attorneys, employees, predecessors-in- interest, successors-in-interest, partners, associates, members, officers, directors, affiliates, subsidiaries, associations, shareholders, trusts, trustees, heirs, executors, assigns, and transferees, from any and all lawsuits, demands, controversies, disputes, actions, causes of action, rights to accountings, fees, invoices, billings, proceedings, obligations, debts, liabilities, costs, disbursements, expenses, attorneys’ fees, damages and other claims of whatever character, nature and kind, in law or in equity, past, present or future, know nor unknown, joint or several, suspected or unsuspected, arising from or relating to Your use of the Site and/or any works obtained therefrom (collectively, “Claims”). You covenant not to sue with respect to any Claim subject to the foregoing release, discharge, or waiver.
You understand that RATE TRACKER cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy Your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for any reconstruction of any lost data. RATE TRACKER does not assume any responsibility or risk for Your use of the Internet.
VII. LIMITATION OF LIABILITIES
RATE TRACKER, its subsidiaries, affiliates, licensors, service providers, attorneys, content providers, employees, agents, officers, and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss data, use, revenue or income, pain and suffering, emotional distress, or similar damages, even if RATE TRACKER has been advised of the possibility of such damages.
The foregoing limitation applies to claims based on warranty, contract, tort (including negligence), liability, or any other legal theory. Some jurisdictions do not allow limiting liability for certain damages. In such jurisdictions, RATE TRACKER’ liability shall be limited to the extent permitted by law. In no event will the collective liability of RATE TRACKER and its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors to any party (regardless of the form of action, whether in contract, tort, or otherwise) exceed the greater of $100 or the amount You have paid to RATE TRACKER for the applicable content or service out of which liability arose.
Each time You use this Site You confirm Your acceptance of and agreement to be bound by this Agreement. You shall, and hereby do, indemnify, defend, and hold harmless RATE TRACKER, its affiliates, agents, employees, sponsors, and licensors from and against any and all claims and expenses, including reasonable attorneys’ fees, arising out of, or related in any way to Your user-submitted content, use of the Site, violation of this Agreement, violation of any law or regulation, or violation of any proprietary or privacy right. This includes, but is not limited to, defense and indemnification of RATE TRACKER for any unlawful or unpermitted uploading of any information by a user. This indemnification shall survive any termination or suspension of Your use of this Site.
- NONEMPLOYMENT CONTENT SUBMISSIONS
All user-submitted content You submit, whether publicly posted or privately transmitted, is Your sole responsibility. This means that You, and not RATE TRACKER, are entirely responsible for all content that You upload, post, e-mail, or otherwise transmit via this Site. You shall not transmit content or otherwise conduct or participate in activities on the Site that are prohibited by law in applicable jurisdictions. You hereby grant to RATE TRACKER a royalty-free, perpetual, irrevocable, non-exclusive right and license (with the right to sublicense through multiple tiers) to use, reproduce, copy, modify, publish, adapt, host, cache, index, archive, create derivate works from, translate, perform, display, and distribute all Your user-submitted content, in whole or in part, worldwide and to incorporate it in other works in any form, media or technology now known or herein after developed without accounting, notification, credit, or other obligation to You. RATE TRACKER does not control user content. RATE TRACKER has the right but not the obligation to monitor Your submissions and reserves the right to modify, move, or remove any content at any time and for any reason in its sole discretion. You grant RATE TRACKER the right to use any material, information, ideas, concepts, know-how, or techniques contained in any content You provide or otherwise submit to RATE TRACKER for any purpose whatsoever, including but not limited to, educational purposes and developing and marketing commercial products (as RATE TRACKER deems fit in its sole discretion) using such information. You will not be entitled to any compensation for any of the rights You grant to RATE TRACKER for Your submitted content. You authorize RATE TRACKER to use Your name, likeness, and any other information in connection with use of the user content You provide. You agree that RATE TRACKER may use or disclose information about You or Your use of this Site, including Your submitted content, to comply with laws and requests by governmental or regulatory agencies, to protect or defend RATE TRACKER’s rights or property, or to protect the safety of RATE TRACKER, RATE TRACKER’s employees, agents, sponsors, membership, or the public.
- CONSENT TO ELECTRONIC COMMUNICATION
- TERM AND TERMINATION
RATE TRACKER reserves the right to terminate Your access to any part or the entire Site at any time without notice for any reason whatsoever. RATE TRACKER also reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in its sole discretion. RATE TRACKER reserves the right to seek all remedies available at law and in equity for any violation of this Agreement. Sections V–XVI shall survive the termination of this Agreement.
XII. NO AGENCY OR THIRD-PARTY BENEFICIARY
You agree that no agency, partnership, joint venture, employee-employer, or franchiser- franchisee relationship exists as a result of this Agreement or use of the Site. You acknowledge that You do not have authority or power to bind RATE TRACKER. In no event shall RATE TRACKER be liable for any representation, act, or omission made by You. The parties further agree that nothing in this Agreement is intended, or shall be construed, as creating any rights in third parties.
XIII. CONTROLLING LAW, JURISDICTION, AND INTERNATIONAL USERS
This Agreement is governed by and shall be construed in accordance with the laws of the State of Ohio without reference to its conflicts of laws provisions. You specifically consent to personal jurisdiction in Ohio in connection with any dispute between You and RATE TRACKER arising out of this Agreement, use of this Site, or pertaining to the subject matter hereof. You agree the exclusive venue for any dispute between the RATE TRACKER and You arising out of this Agreement, or Your use of this Site will be in the state and federal courts in Ohio.
RATE TRACKER makes no representation that the materials are appropriate or available for use outside the United States. If You access this Site from outside the United States, You will be responsible for compliance with all local laws. You agree to comply with all laws and regulations applicable to Your use of this Site.
XIV. ENTIRE AGREEMENT, SEVERABILITY, AND WAIVER
This Agreement constitutes the entire agreement between RATE TRACKER and You with respect to this Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between You and RATE TRACKER with respect to this Site. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this Agreement, and the remainder of this Agreement shall continue in full force and effect. Any failure by RATE TRACKER to enforce any provision of this Agreement shall not constitute a waiver of any rights under such provision or any other provision of this Agreement.
- MODIFICATIONS TO AGREEMENT
RATE TRACKER may revise this Agreement at any time, and You agree to be bound by the revised Agreement. Any such modifications will become effective upon the date they are first posted to this Site. It is Your responsibility to return to this Agreement from time to time to review the most current terms and conditions. RATE TRACKER does not, and will not, assume any obligation to notify You of changes to this Agreement.
You agree to be bound by any affirmation, assent, or agreement You transmit through this Site, including but not limited to any consent You give to receive communications from RATE TRACKER solely through electronic transmission. You agree that, when in the future You click on an “I agree”, “I consent” or other similarly worded button or entry field on this Site, Your agreement or consent will be legally binding and enforceable and the legal equivalent of Your handwritten signature.
XVI. VIOLATION OF TERMS AND CONDITIONS
Any use of this Site in violation of the foregoing violates these Terms and Conditions and may result, among other actions, in termination or suspension of Your rights to use the Site. Any decision as to whether Your user content or actions violate these Terms and Conditions will be made in RATE TRACKER’s sole discretion.
You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If You become involved in any violation of system security, RATE TRACKER reserves the right to release Your details to system administrators at other sites in order to assist them in resolving security incidents. RATE TRACKER reserves the right to investigate suspected violations of this Agreement.
RATE TRACKER reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing RATE TRACKER to disclose the identity of anyone posting, publishing or otherwise making available any materials that are believed to violate this Agreement. BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS RATE TRACKER FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY RATE TRACKER DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER RATE TRACKER OR LAW ENFORCEMENT AUTHORITIES.
A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain.