Last Updated: September 17, 2021
We may collect or receive several types of information about you. This information is collected as described below.
The following are situations in which you may provide Your Information to us:
We may collect information about you from sources other than you, such as from social media websites (i.e. Facebook, Twitter, LinkedIn, or others), blogs, other users and our business partners.
We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet Protocol (“IP”) address, your browser type, and your device type), as well as your preferences.
In general, personal information you submit to us is used to provide the Services, to respond to requests that you make, and to aid us in serving you better. For example, we use your personal information to provide you with access to certain areas and features of the Services; communicate with you about your account, your use of the Services and any changes to our policies; personalize content, advertisements, and offers as a part of the Services; improve the Services; provide you with marketing materials and promotions of interest; and for other internal business purposes. We reserve the right to freely collect, use and disclose information collected automatically via technology.
When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time and store them in log files. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.
If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device's GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties. If you do not want your device to provide us with location-tracking information, you can disable the GPS or other location-tracking functions on your device, if your device gives you that option.
We may collect your phone number in several ways. For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) if you submit your phone number to sign up for or facilitate the creation of a personalized account associated with our Services; (iii) by capturing your phone number if you call us; or (iv) if a third party provides your phone number to us.
We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML5 to collect and store information.
We may disclose Your Information:
If you do not want Your Information shared as described above, then you should not provide us with Your Information.
We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.
We may provide you with an opportunity to invite your friends, family and others (“Friends”) to visit our site and use the Services. If you elect to use this referral feature, we will automatically send to your Friend, to the email address you provided, one or more emails or other communications, on your behalf, inviting them to visit or top10mortgagerates.com and our Services. Any such emails to Friends may display your email address. You warrant and represent that you have your Friend’s consent to provide us with their information for this purpose, and that you will not give us referral information for any person not permitted to use top10mortgagerates.com and its Services, including, without limitation a child under the age of 13, a person whose account has previously been suspended or deactivated, or a person residing or located in a territory where use of top10mortgagerates.com and its Services are not authorized.
We offer publicly accessible blogs and other interactive media through our Services. To request removal of Your Information from our blog or community forum, contact us at email@example.com. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.
From time to time, we may participate in or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer's interests and preferences, which enables their algorithms to deliver advertisements directly targeted to the consumer's specific interests. This practice is often referred to as "online behavioral advertising." For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of a website, the location of your Internet service provider's presence, the date and time of a visit to a website and other interactions between you and a website. Please see the "Online Behavioral Advertising" subsection of Your Choices For How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.
We strive to provide you with choices regarding the use of personal information you provide to us. Below are some mechanisms that provide you with control over certain information:
top10mortgagerates.com is not directed at or promoted for use by children under the age of thirteen (13). We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org.
Our Services are operated in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.
If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at email@example.com.
Individuals who are residents of California and have provided their personal information to us may request information regarding our disclosures, if any, of their personal information to third parties for direct marketing purposes. Such requests must be submitted to us at firstname.lastname@example.org or in writing at:
Top 10 Mortgage Rates LLC
151 Calle San Francisco
Suite 200 PMB 5364
San Juan, PR 00901
California privacy rights requests must include the phrase "Request for California Privacy Information" on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our reply. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.
Last Updated: September 20, 2021
Our content and Services are developed from sources believed to be providing accurate information. All information in our Services is presented for educational and informational purposes only and is not intended to provide, and should not be relied on for tax, legal, or financial advice. Use of our Services is not a replacement for consulting your own tax, legal and financial advisors before regarding your individual situation.
As a condition of your access to and use of the Services, you agree that you will not use the Services for any purpose that is unlawful or prohibited by these Terms and that you will comply with all applicable laws and any conditions or restrictions imposed by these terms. The Services are offered for your personal and non-commercial use only, and you are prohibited from using, and are expressly not granted the right to use the Services for any other purpose.
We reserve the right to make changes to how we operate and provide our Services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of our Services.
Furthermore, by using our services, you confirm that you are authorized to provide us with any data you submit to Top 10 Mortgage Rates, LLC. Further, you acknowledge that once your data is submitted to us, we may use the data, absent any personally identifiable information about you, to conduct research. Once the data has been stripped of your personally identifiable information, the data is the sole property of Top 10 Mortgage Rates, LLC and we may use it at our sole discretion.
If you knowingly misrepresent the data you provide to us we may terminate your use of our Services without notice.
By using our Services, you agree to receive periodic email, text messages (if you opt in), push notifications, browser notifications, or even snail mail from us for marketing and non-marketing purposes associated with the business of the Services. You confirm that all of your contact information is correct and you are the authorized user for the email address(es) provided. You also agree to notify us promptly if contact information changes in the future. You understand that your wireless service provider’s message and data rates may apply to the text messages that we send to or receive from you. You will be able to unsubscribe from these email updates at any time.
We control and operate our Services from the United States. Our website and Services are governed by the laws of the United States and are intended for the enjoyment of residents of the United States only. We make no representation that the website and Services are governed by or operated in accordance with the U.S. laws. We make no representations that our content or Services, are appropriate for access or use in territories outside the U.S. We reserve the right to limit the availability of our Services to any person, geographic area, or jurisdiction, at any time and in our sole and absolute discretion.
All content and materials, including but not limited to text, images, calculations, visual interfaces, information, data, and computer code (referred to as the “Content”), provided by us through our Services and all related intellectual property rights are the property of Top 10 Mortgage Rates, LLC and/or its third-party licensors. Our Content is protected by US. and international intellectual property laws and treaties. You are permitted to use our Content only on our Services, and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent. You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services. Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to use our Content except as expressly stated in the Agreement.
Our Services may also display certain intellectual property, such as company, product, and service name and logos, that is owned by our Third-Party partners. Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from or transmit in any form (including in-line linking or mirroring) any of our Third Party partners.
You may not use our Services in any manner that infringes the rights of any Third Party. If you believe, in good faith, that any of our Content infringes your copyrights, you may send a notice of infringement (“Notice”) under the federal Digital Millennium Copyright Act (“DMCA”) by email at email@example.com or regular mail to Top 10 Mortgage Rates LLC, 151 Calle San Francisco, Suite 200 PMB 5364, San Juan, PR, 00901.
Top 10 Mortgage Rates, LLC reserves the right to block or otherwise prohibit in our sole discretion any individual who repeatedly posts materials that are alleged to infringe the intellectual property rights of others.
Permission is granted to temporarily download one copy of our content or Services for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Top 10 Mortgage Rates, LLC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
We provide our Content and Services “as is” and “as available” without any warranty or condition of any kind, express or implied. Top 10 Mortgage Rates, LLC, on behalf of itself, its affiliates and its licensors, disclaims all warranties of any kind, whether express or implied, relating to our Services or Content, including the implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, quality, accuracy, title and non-infringement, and any warranty arising out of the course of dealing, usage or trade.
No advice or information, whether oral or written, obtained by you from our Content and Services, or otherwise available through our Services will create any warranty regarding top10mortgagerates.com or any of our Services that is not expressly stated in these terms. You use our Services, and use, access, download, or otherwise obtain our Content or other content available through our services, at your own discretion and risk. You assume all risk for any damage that may result from your use of or access to our Services, your dealings with any other member or Third Party, and your use of our Content or other content available through our services. You are solely responsible for any damage to your property (including any computer system or mobile device used in connection with our Services), or the loss of data that may result from the use of our Services or the use of any of our Content or other content available through our Services.
Top 10 Mortgage Rates, LLC does not guarantee the continuous operation or access to the service and assumes no liability or responsibility for (i) any interruption or cessation of transmission to or from our Service; (ii) any unauthorized access to or use of our servers and/or any and all personal information stored therein; (iii) user content or the defamatory, offensive, or illegal conduct of any Third Party; (iv) any bugs, viruses, trojan horses, or the like that may be transmitted to or through the service by any third-party; (v) that our website or Service will be available at any particular time or location, uninterrupted or secure or free of viruses or other harmful components; and/or (vi) that any defects or errors will be corrected.
You acknowledge that Top 10 Mortgage Rates, LLC is solely an intermediary between you and our Third-Party partners whose offers we present. Top 10 Mortgage Rates, LLC expressly disclaims any liability for any errors or omissions in our Content or our Services.
Notwithstanding the foregoing, nothing in this section shall affect warranties which are incapable of exclusion or restriction under applicable law.
Top 10 Mortgage Rates, LLC and its representatives, agents, and any of their respective officers, directors, equity holders, employees, parent entities, subsidiaries, affiliated entities, representatives, agents and licensors (collectively, the “Top 10 Mortgage Rates, LLC parties”) will not be liable to you or any Third Party for any special, direct, indirect, incidental, consequential or punitive damages (including but not limited to, loss of profits, loss of goodwill, loss of use, loss of data, business interruption, personal injury, pain and suffering, emotional distress, loss of revenue, or other intangible losses) arising out of or relating in any way to our Services or Content whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
Any claim relating to Top 10 Mortgage Rates, LLC Services shall be governed by the laws of the Puerto Rico without regard to its conflict of law provisions.
You and Top 10 Mortgage Rates, LLC agree that any dispute, claim, or controversy between you and Top 10 Mortgage Rates, LLC arising in connection with or relating in any way to this Agreements or to your relationship with our Services (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after the termination of the Agreement) will be determined by mandatory binding individual (not class) arbitration. Any arbitration hearing will take place at a location to be agreed upon in Puerto Rico. You and Top 10 Mortgage Rates, LLC further agree that the arbitrator shall have the exclusive power to rule on his or her own jurisdiction, including any objections with respect to the existence, scope or validity of the Arbitration Agreement or to the arbitrability of any claim or counterclaim. Arbitration is more informal than a lawsuit in court. THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. There may be more limited discovery than in court. The arbitrator must follow this Agreement and can award the same damages and relief as a court (including attorney fees), except that the arbitrator may not award any relief, including declaratory or injunctive relief, benefiting anyone but the parties to the arbitration. This arbitration provision will survive termination of the Agreement.
A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail ("Notice") to the Top 10 Mortgage Rates address. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). You and Top 10 Mortgage Rates agree to use good faith efforts to resolve the claim directly, but if you and Top 10 Mortgage Rates do not reach an agreement to do so within 30 days after the Notice is received, you or us may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Top 10 Mortgage Rates must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If, after finding in your favor in any respect on the merits of your claim, the arbitrator issues you an award that is greater than the value of Top 10 Mortgage Rates, LLC's last written settlement offer made before an arbitrator was selected, Top 10 Mortgage Rates, LLC will pay you the amount awarded by the arbitrator. The arbitration proceedings, including any exchanged materials, shall be confidential and you and Top 10 Mortgage Rates, LLC agree to use reasonable efforts to streamline the proceedings, including discovery, consistent with the objectives of efficient dispute resolution.
You and Top 10 Mortgage Rates, LLC agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or a class member in any purported class or representative proceeding. Also, you and Top 10 Mortgage Rates, LLC agree to waive the right to a trial by jury. Further, unless both you and Top 10 Mortgage Rates, LLC agree otherwise, the arbitrator may not consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.
The Agreement is effective until your account, if applicable, is deactivated by either you or Top 10 Mortgage Rates, LLC and you discontinue all use of our Services. Notwithstanding the foregoing, any section of the Agreement that by its nature is intended to survive termination of the Agreement or your use or access to our Services or Content will survive such termination.
The materials contained in this website are protected by applicable copyright and trademark law.