Terms and Conditions of Use

Welcome to saferate.com. Safe Rate Inc. (“SRI”) provides the use
of this website subject to the following terms and conditions, known
as “Terms and Conditions of Use.” Clicking onto webpages beyond the
site’s homepage indicates your acceptance and agreement of these Terms
and Conditions of Use. Please read them carefully.

Privacy

Please review our Privacy Policy, which also governs your use/visit to
this website.

Electronic Communications

When you visit guaranteedrate.com or send emails to us, you are
communicating with SRI electronically and you consent to receive
communications from SRI electronically. We will communicate with you
by email or by posting notices on this 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.

Trademarks

SRI’s trademarks and trade dress may only be used with the express
written consent of SRI and may not be used in any manner that is
likely to cause confusion among customers, or in any manner that
disparages or discredits SRI. All other trademarks not owned by SRI or
its subsidiaries that appear on this site are the property of their
respective owners, who may or may not be affiliated with, connected
to, or sponsored by SRI or its subsidiaries.

License and site access

SRI grants you a limited license to access and make personal use of
this site and not to download (other than page caching) or to modify
any portion of it, except with express written consent of SRI. This
license does not include any resale or commercial use of this site or
its contents: any collection and use of any product listings,
descriptions, or prices: any derivative use of this site or its
contents: any downloading or copying of account information for the
benefit of another merchant: or any use of data mining, robots or
similar data gathering and extraction tools. This site or any portion
of this site may not be reproduced, duplicated, copied, sold, resold,
visited or otherwise exploited for any commercial purpose without
express written consent of SRI. You may not frame or utilize framing
techniques to enclose any trademark, logo or other proprietary
information (including images, text, page layout or form) of SRI or
our subsidiaries without express written consent. You may not use any
meta tags or any other “hidden text” utilizing SRI’s name or
trademarks without the express written consent of SRI. Any
unauthorized use shall automatically terminate any permission or
license granted herein by SRI. You are granted a limited, revocable,
and nonexclusive right to create a hyperlink to the home page of SRI
so long as the link does not portray SRI, its subsidiaries or
affiliates or their products or services in a false, misleading,
derogatory or otherwise offensive matter. You may not use any SRI logo
or other proprietary graphic or trademark as part of the link without
express written permission.

Your membership account

If you use this site, you are responsible for maintaining the
confidentiality of your account and password and for restricting
access to your computer and you agree to accept responsibility for all
activities that occur under your account or password. If you are under
18, you may use our website only with involvement of a parent or
guardian. SRI and its subsidiaries and affiliates reserve the right to
refuse service, terminate accounts, remove or edit content or cancel
orders in their sole discretion. Should you require assistance in
logging into the website, or for other technical assistance, please
contact the following:

Safe Rate, Inc. 515 N. State St., 13th Floor Chicago, IL 60654

Safe Rate may deny access to any user for any reason and in Safe
Rate’s sole discretion. Reviews, comments, emails and other content

Visitors may post reviews, comments and other content, and submit
suggestions, ideas, comments, questions or other information, so long
as the content is not illegal, obscene, threatening, defamatory,
invasive of privacy, infringing of intellectual property rights or
otherwise injurious to third parties or objectionable and does not
consist of or contain software viruses, political campaigning,
commercial solicitation, chain letters, mass mailings, or any form of
“spam.” You may not use a false email address, impersonate any person
or entity or otherwise mislead as to the origin of a post, comment or
other content. SRI reserves the right (but not the obligation) to
remove or edit such content, but does not regularly review posted
content. If you do post content or submit material, and unless we
indicate otherwise in writing, you grant SRI and its subsidiaries and
affiliates a nonexclusive, royalty-free, perpetual, irrevocable and
fully sublicensable right to use, reproduce, modify, adapt, publish,
translate, create derivative works from, distribute and display such
content throughout the world in any media. You grant SRI and its
subsidiaries and affiliates and sublicenses the right to use the name
that you submit in connection with such content if they choose. You
represent and warrant that you own or otherwise control all the rights
to the content you post; that the content is accurate; that use of the
content you supply does not violate this policy and will not cause
injury to any person or entity; and that you will indemnify SRI and/or
its subsidiaries, affiliates, officers, employees, agents and
successors and assigns for any and all claims resulting from content
you supply. SRI has the right but not the obligation to monitor and
edit or remove any activity or content. SRI takes no responsibility
and assumes no liability for any content posted by you or any third
party.

Product and service descriptions

SRI and its subsidiaries and affiliates attempt to be as accurate as
possible. However, the information contained in this website is for
general information purposes only and SRI does not warrant that
product/service descriptions or other content of this site is
accurate, complete, reliable, current or error-free.

Website Ownership

This website is owned and operated by Safe Rate, Inc. 515 North State
St, 13th Floor, Chicago, IL 60654

Updates

These Terms and Conditions were last updated 04/09/2019. Please check
periodically for changes.

Processing

We offer no guarantees in terms of processing time for any particular
loan, application or other information or service. Though we will make
every effort to ensure that information is processed as quickly as
possible, in order to ensure that information is processed correctly
and in light of the fact that there may be circumstances beyond our
control which prevents the timely processing of information,
applications, etc., the user agrees to indemnify and hold harmless
Safe Rate for any delays in processing information submitted and
processed through the website, and/or other damages allegedly related
to submission of information to and/or through the website.

Fees

The website may require the submission of certain fees for services
necessary for the completion and processing of a loan or the
completion of other services through the website. Use of the website
is strictly subject to payment of certain fees. To the extent
applicable, all payments shall be made in US dollars by credit card
and are non-refundable. All fees submitted are final upon payment.
Payments are due in full upon account activation, with future renewal
dates and use of portions of the services subject to additional
charges. Services will not be activated until payment is received. All
payments made are final and there shall be no refunds of payments made
by you.

Intellectual Property

All information and content available on the Website and its “look and
feel”, including but not limited to trademarks, logos, and service
marks, text, graphics, logos, button icons, images, audio clips, data
compilations and software, and the compilation and organization
thereof (collectively, the “Content”) is the property of Safe Rate,
our affiliates, partners or licensors, and is protected by United
States and international laws, including laws governing copyrights and
trademarks.

Except as set forth in the limited licenses in these Terms and
Conditions, or as required under applicable law, neither the content
nor any portion of the website may be used, reproduced, duplicated,
copied, sold, resold, accessed, modified, or otherwise exploited, in
whole or in part, for any purpose without our express, prior written
consent.

You shall have no right to use the Safe Rate technology for any
purpose other than accessing the website and using the services
offered. Use of the website does not transfer from Safe Rate to you
any Safe Rate technology, and all rights, titles and interests in and
to any Safe Rate technology and all services shall remain solely with
Safe Rate. You shall not, directly or indirectly, reverse engineer,
decompile, disassemble or otherwise attempt to derive source code or
other trade secrets from any of the Safe Rate technology if such
reverse engineering, decompilation, or disassembly is intended to
create, or will be used in, a competitive product.

Third Party Links

Clicking on certain links within this website or certain other
websites that are linked to this website may take you to other
websites, or may display information on your computer screen from
other web sites, which are not maintained by Safe Rate. Such web sites
may contain terms and conditions, privacy provisions, confidentiality
provisions, or other provisions that differ from the terms and
conditions applicable to this web site. Links to other Internet
services and web sites are provided solely for the convenience of
users. A link to any service or web site is not an endorsement of any
kind of the service or web site, its content, or its sponsoring
organization.

SAFE RATE AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES
ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT,
ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH
THIS SITE IS LINKED AND SUCH LINKED SITES ARE NOT MONITORED,
INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY SAFE RATE. IT
IS THE SOLE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY,
RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE
ON ANY LINKED SITE. ALL INFORMATION, PRODUCTS, SERVICES AND CONTENT
OBTAINED FROM A LINKED SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF
ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Indemnification

In no event will Safe Rate be liable for any direct, indirect,
incidental, special, punitive or consequential losses, damages or
expenses of any kind whether the claimed damages or losses are based
in tort, contract or any other theory of law, arising in any way or in
connection with this website or use thereof, including, but not
limited to failure of performance, omission, error, defect,
interruption, failure to process, delay, computer virus, system
failure, even if Safe Rate is made aware of the alleged damages or
losses including all third party claims. You agree to indemnify and
hold harmless Safe Rate for any and all damages and losses as
described above relating to your use of the website.

Consent to Electronic Delivery

You specifically agree to receive and/or obtain any and all
disclosures, notices, information and communications via email,
posting on our website or other electronic delivery rather than via
paper documents. This includes, but is not limited to, any and all
current and future notices and/or disclosures that various federal
and/or state laws or regulations require that we provide to you, as
well as such other documents, statements, data, records and any other
communications regarding your use of the website. You acknowledge
that, for your records, you are able to use the website to retain
these communications by printing and/or downloading and saving these
Terms and Conditions and any other agreements and electronic
communications, documents, or records that you agree to in your use of
the website. You accept electronic communications provided via Safe
Rate as reasonable and proper notice, for the purpose of any and all
laws, rules, and regulations, and agree that such electronic form
fully satisfies any requirement that such communications be provided
to you in writing or in a form that you may keep. To this agreement
described herein or if you require paper documents of any of the
above, please contact:

Safe Rate, Inc. 515 N. State St, 13th Floor Chicago, IL 60654

Applicable law

By visiting saferate.com, you agree that the laws of the State of
Delaware, without regard to principles of conflict of laws, will
govern these Terms and Conditions of Use and any dispute of any sort
that might arise between you and SRI and/or its subsidiaries and
affiliates. You further agree that any action at law or in equity
arising out of or relating to these Terms and Conditions of Use or
this website shall be filed only in the state or federal courts
located in Delaware, and you hereby consent and submit to the personal
jurisdiction of such courts for the purposes of litigating any such
action.

Disputes

Any controversy or claim arising out of or relating to your use of the
website, and/or any alleged damages or losses thereof, shall be
settled by arbitration administered by the American Arbitration
Association (“AAA”) and judgment on the award rendered by the
arbitrator(s) may be entered in any court having jurisdiction thereof.

Any dispute between the parties must be submitted to binding
arbitration administered by the AAA to take place in Delaware, before
one arbitrator in accordance with the AAA Rules. In the event you
institute such arbitration, then, without limiting the applicability
of the AAA rules, the arbitrator will be obligated to award the
prevailing party of any such proceedings all reasonable costs,
attorneys’ fees and other expenses incurred by such prevailing party
in the arbitration proceedings. Any award entered by the arbitrator
may be enforced in any court of competent jurisdiction. All
arbitrations will take place in Delaware. You hereby waive any right
to consolidate, join or combine any arbitration brought with any other
matter pending in court or other arbitration proceeding.

You agree that any effort to resolve any dispute will be conducted on
an individual basis, and that you waive any right to have any dispute
heard in a class action or any other proceeding in which any party
seeks to or does act in a representative capacity.

Regardless of any statute or law to the contrary, any claim or cause
of action against Safe Rate arising out of or related to use of your
use of the website or under these Terms and Conditions must be filed
within one (1) year after such claim or cause of action arose or will
be barred.

Entire Agreement

This Agreement constitutes the entire agreement between you and Safe
Rate governing your use of the website and supersedes any prior and
contemporaneous agreements between you and Safe Rate with respect to
the subject matter above.

General

You acknowledge and agree that these Terms and Conditions of Use
constitute the complete and exclusive agreement between us concerning
your use of the website, and supersede and govern all prior proposals,
agreements, or other communications;

Nothing contained in these Terms and Conditions of Use shall be
construed as creating any agency, partnership, or other form of joint
enterprise between a user and Safe Rate. Our failure to require your
performance of any provision hereof shall not affect our full right to
require such performance at any time thereafter, nor shall our waiver
of a breach of any provision hereof be taken or held to be a waiver of
the provision itself. In the event that any provision of these Terms
and Conditions of Use shall be unenforceable or invalid under any
applicable law or be so held by any applicable arbitral award or court
decision, such unenforceability or invalidity shall not render these
Terms and Conditions of Use unenforceable or invalid as a whole but
these Terms and Conditions of Use shall be modified, to the extent
possible, by the adjudicating entity to most fully reflect the
original intent of the parties as reflected in the original provision
and with the remaining terms remaining enforceable and binding upon
all users.

Contact

If you have any questions regarding the Terms and Conditions please
contact us at: Safe Rate, Inc. 515 N. State St, 13th Floor Chicago, IL
60654

Electronic Agreement

Electronic Agreement
You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through the Safe Rate website and via email (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at (312) 248-0234. You should also keep us informed of any change in your e-mail or mailing address by contacting us at (312) 248-0234.
By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware.
By continuing, you electronically agree to allow Safe Rate to view your credit history.

Disclaimer

The information contained in this website is for general information
purposes only. It is believed to be reliable, but Safe Rate, Inc. does
not warrant its completeness, timeliness or accuracy. To the fullest
extent permissible under applicable law, Safe Rate, Inc. disclaims all
warranties, express or implied, including, but not limited to, all
implied warranties of merchantability, fitness for a particular
purpose, title and non-infringement. The information on this website
is not intended as an offer or solicitation for any mortgage product
or any financial instrument. The information and materials contained
in this website – and the terms and conditions of the access to and
use of such information and materials – are subject to change without
notice. Products and services described, as well as, associated fees,
charges and interest rates may differ among geographic locations,
offices and as a result of individual conditions. Not all products and
services are offered at all locations. In no event will Safe Rate,
Inc. be liable for any loss or damage including without limitation,
indirect or consequential loss or damage, or any loss or damage
whatsoever arising from loss of data or profits arising out of, or in
connection with, the use of this website.

If you have been referred from another website (including but not
limited to any social media site), the information contained in the
referring website is for general information purposes only. The
information contained there has not been reviewed or approved by Safe
Rate, Inc. and is provided solely and exclusive by the site’s author.
Safe Rate, Inc. makes no representations or warranties of any kind,
express or implied, about the completeness, accuracy, reliability,
suitability or availability with respect to the website or the
information, products, services, or related graphics contained on the
website for any purpose. Any reliance you place on such information is
therefore strictly at your own risk. Through the referring website you
may be able to link to other websites which are not under the control
of Safe Rate, Inc. Safe Rate, Inc. has no control over the nature,
content and availability of those sites. The inclusion of any links
does not necessarily imply a recommendation or endorse the views
expressed within them.

You acknowledge and agree that Safe Rate, Inc.is not, and shall not
be, responsible for the results of any defects that may exist in this
website or its operation. As to the operation of this website, Safe
Rate, Inc. expressly disclaims all warranties of any kind, whether
express or implied, including, not limited to the implied warrant of
merchantability and fitness for a particular purpose.

Questions

Questions regarding our Terms and Conditions of Use, Privacy Policy or
other policy related material can be directed to our support staff by
emailing us at team@saferate.com