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Privacy Policy

Last Updated: September 17, 2021

This Privacy Policy describes how we collect, use and share information when you use our Services. The terms "we," "us," or "our" means top10mortgagerates.com any other sites we own, our corporate entity, Top 10 Mortgage Rates, LLC. This website (the "Site"), our applications (the "Apps") and all other websites, applications, widgets, products, e-mail notifications and other mediums through which you have accessed this Agreement (via desktop, mobile or other application) are collectively referred to as the "Services". Services also include co-branded or white labeled versions of any of our websites, Apps, and other products. By accessing or using our Services, you consent to the collection, transfer, manipulation, storage, disclosure and other uses of Your Information (collectively, "Use of Your Information") as described in this Privacy Policy.

For purposes of this Privacy Policy, "Your Information" means information about you, which may be of a confidential nature and may include personal information. This Privacy Policy applies to our Use of Your Information as a result of you using our Services, and does not apply to the following:

  • Information collected through mediums other than our Services;
  • Information collected by any person or entity other than us, even if related to our Services (such as a third-party website, application, widget or lead form); or
  • Information collected through our Services where a separate privacy policy applies (e.g. a sweepstakes entry that may have its own rules and privacy policy).

In addition to this Privacy Policy, our Services are also governed by our Terms of Use and any other documents referred to in this Privacy Policy and in our Terms of Use. These documents describe information that we collect from you or that you provide on or to the Services and how Your Information may be used and disclosed by us. These documents also describe choices available to you regarding our Use of Your Information and how you can access and update Your Information. Please read this Privacy Policy and the Terms of Use carefully.

Information We Collect and Recieve About You

We may collect or receive several types of information about you. This information is collected as described below.

Information You Provide

The following are situations in which you may provide Your Information to us:

  • When you fill out forms, fields or profile information through our Services;
  • When you sign up for any newsletters or other materials through our Services;
  • When you communicate with us or request information about us or our Services, whether via email or other means;
  • When you provide information to us through a third-party application, service or website;
  • When you participate in any of our marketing initiatives, including, contests, sweepstakes, events, or promotions;
  • When you participate in forums or provide feedback, comments, or user generated content or submissions.
  • When you create an account to access or use our Services; and
  • When you otherwise use our Services.

Information Third Party Provide

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.

General Use and Preference Information

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.

Device Information

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.

Location Information

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.

Phone Numbers

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.

Non-Personally Identifiable Information

We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

Log Files, Cookies and Anonymous Identifiers

Like most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services and products we offer you, to improve marketing, analytics, or site functionality, and to document your consent to receiving products, services or communications from us or our partners. If we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

We use cookies to help us know that you are logged on, provide you with features based on your preferences, understand when you are interacting with our Services and products, and compile other information regarding use of our Services and Products. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use cookies to collect and store information. You can control the use of cookies at the individual browser level. If you disable the use of cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. Third parties with whom we partner who provide certain features on our websites, such as videos, may place Flash cookies on your device. They may use Flash cookies to track your web browsing activity and to display personalized advertising. Flash cookies are different from other cookies because of the amount of, type of, and way in which data is stored. Cookie management tools provided by your browser usually will not remove Flash cookies. To learn more about Flash cookies, who has placed Flash cookies on your device, and how to manage privacy and storage settings for Flash cookies click here. We do not control the privacy practices of the third parties who place or track Flash cookies and this privacy policy does not cover their practices. You should visit the privacy policies of companies who place Flash cookies to understand their practices.

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.

How We May Disclose Your Information

General Disclosure of Your Information

We will share Your Information with third parties only in the ways that are described in this Privacy Policy.

We may disclose Your Information:

  • To third parties when you engage in certain activities through our Services that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party, or electing to participate in contests, sweepstakes, or other programs sponsored, in whole or in part, by a third party. When we disclose Your Information to these third parties, we may be compensated, and Your Information will become subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of Your Information;
  • To third parties that are interested in contacting you or providing offers to you that may be related to our Services or about products or services you may find of interest; If you do not want us to share your personal information with these companies, contact us at legal@top10mortgagerates.com.
  • On an anonymous, aggregated, basis to third parties for purposes that include research, analysis, retail marketing, and relevant advertising;
  • To any person who, in our reasonable judgment, is authorized to receive Your Information as your agent, including as a result of your business dealings with that person (for example, your attorney);
  • To our third-party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data verification, data storage, surveys, research, internal marketing, delivery of promotional, marketing and transaction materials, and our Services' maintenance and security. These companies are authorized to Use Your Information only as necessary to provide these services to us and are contractually obligated to keep Your Information confidential;
  • As required by law such as to comply with a subpoena, bankruptcy proceedings, or similar legal process or ordered by a court, regulatory, or administrative agency;
  • As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another's rights or property, including, without limitation, our rights or property;
  • If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
  • To enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies;
  • To enforce or protect our rights;
  • In connection with a Business Transfer, as defined below (see Business Transfers below); and
  • To our affiliated companies (i.e. , companies under common control or management with us).

If you do not want Your Information shared as described above, then you should not provide us with Your Information.

Aggregation and De-Personalization

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.

Share with Friends

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.

Sweepstakes

If you are submitting information to us pursuant to a sweepstakes entry, we reserve the right to share, loan, rent, sell or otherwise disclose the information that you submit with third parties at any time, for any lawful purpose without notice or compensation to you. Participation in these sweepstakes is completely voluntary and you therefore have a choice whether or not to disclose Your Information. Please refer to the Official Rules and privacy policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to that sweepstakes entry.

Circumvention of Security Measures

No method of transmission or electronic storage is 100% secure, and we cannot guarantee absolute security. Additionally, by way of example (without limiting the foregoing), we may be forced to disclose Your Information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. Therefore, notwithstanding anything to the contrary within this Privacy Policy, our Terms of Use or any other applicable agreement or policy, you use our Services at your own risk and we do not promise or guarantee, and you should not expect, that Your Information will always remain private. In the event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate Your information.

Business Transfers

We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer Your Information collected through our Services, and any of our databases, together with any personal information contained in such databases, to third parties in connection with a Business Transfer. A "Business Transfer" means a share or asset sale, acquisition, merger, consolidation, reorganization, spin-off, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including our Services) to an affiliate or independent third party at any time, for any lawful purpose, without compensation to you.

User Generated Content

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 legal@top10mortgagerates.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.

Some comment areas are managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy. You are responsible for any content, including personal information, that you contribute to be published or displayed ("posted") on our Services, or that you transmit to other users of our Services (collectively, "User Generated Content"). Your User Generated Content is posted on and transmitted to other users of our Services at your own risk. We cannot control the actions of other users of our Services with whom you may choose to share your User Generated Content. We are not responsible for circumvention of any privacy settings or security measures of our Services. As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons. You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Service users. Proper access and use of information provided through our Services, including User Generated Content, is governed by our Terms of Use.

Network Advertising

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.

Your Choices For How We Use and Disclose Your Information

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:

  • Cookies. If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Services may then be inaccessible or may not function properly.
  • Email Offers from Us. If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to any of your transactions through our Services) by using the unsubscribe process at the bottom of the email.
  • Accessing and Correcting Personal Information. If your personal information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove by sending us an email atlegal@top10mortgagerates.com. We will respond to your request within a reasonable timeframe. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. In addition, if the portion of our Services allows you to create an account with us, then you can review and update Your Information by logging into that portion of our Services, visiting your account profile page and making changes.
  • Online Behavioral Advertising. Certain third-party advertising networks that deliver behavioral advertising are members of the Digital Advertising Alliance ("DAA"). You can prevent DAA member companies from collecting preference data about you by clicking here and following the DAA's directions. Note that if you opt out through the DAA, you will still receive advertising. In addition, if you opt out through the DAA and later delete your cookies, use a different browser or buy a new computer, you will need to renew your choice to opt out.

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties carefully prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly. If those third parties share your information with us, then we will treat that information in accordance with this Privacy Policy.

Children's 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 legal@top10mortgagerates.com.

Links to Third-Party Websites

Our Services, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, applications, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties. These third-parties may send their own cookies to you and independently collect data. If you visit or access a third-party website, application or other property that is linked or accessed from our Services, we encourage you to read any privacy policies and terms and conditions of that third party before providing any personal information. If you have a question about the terms and conditions, privacy policy, practices or contents of a third party, please contact the third party directly.

Operation of our Services in the United States

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.

Changes to this Privacy Policy

We reserve the right to update, amend and/or change this Privacy Policy at any time at our sole discretion. Amendments will take effect immediately upon us posting the updated Privacy Policy on our Services. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes. If we make any material changes to how we use information we have collected from you, we will disclose this by means of a notice on this site prior to the change becoming effective.

Contacting Us

If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at legal@top10mortgagerates.com

SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS — YOUR CALIFORNIA PRIVACY RIGHTS

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 legal@top10mortgagerates.com or in writing at:

Top 10 Mortgage Rates LLC
151 Calle San Francisco
Suite 200 PMB 5364 
San Juan, PR  00901
legal@top10mortgagerates.com

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.

Terms of Use

Last Updated: September 20, 2021

This “Terms of Use” is between you and Top 10 Mortgage Rates (“Top 10 Mortgage Rates,” “Top 10 Mortgage Rates, LLC,” “top10mortgagerates.com,”, “we”, or “our”) and applies to your use of the Top 10 Mortgage Rates website at top10mortgagerates.com (the “Site”).

Your Use of top10mortgagerates.com’s Service

The term "Service," means, collectively, access to information published on our sites, as well as widgets, applications, email notifications and other tools or media, or portions of such media provided by Top 10 Mortgage Rates, LLC.When you use top10mortgagerates.com, its affiliates, applications, and subsidiaries related by common ownership or control (“we,” “us,” and “our”) for our sites, products, and Services, you are agreeing to the following Terms of Use, all applicable laws and regulations, and you agree that you are responsible for compliance with any applicable local laws. While we attempt to make this agreement as clear as possible, it contains contractual verbiage.  If you do not agree with any of these terms, you may not use or access our Services.

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.

By accessing and using our Services, you are agreeing to these Terms of Use and our Privacy Policy (collectively referred to as the “Agreement”). It is important to read our entire Agreement carefully as some of the provisions affect your legal rights.  These Terms of Use include an agreement to resolve any disputes through binding arbitration that includes a class action waiver, as well as important disclaimers, warranties and limitations on liability.

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.

Personal Information Collection: When you use our Services and provide us information about yourself, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Policy as part of providing our Services.  When you use our Services, we may collect Personal Information from you which can be used to identify you, including, but not limited to your name, email address, education information, financial information, username and password.  Some Usage Data may also be collected when using our services including, but not limited to Internet Protocol (“IP”) addresses, log files, unique device identifiers, browser type, pages viewed, any links you click on to leave or interact with our Services, and other usage information collected from cookies and other tracking technologies.

By using our services, you agree that Top 10 Mortgage Rates, LLC may share your information, including Personal Information and Usage Data, with Third Party service providers who help us operate our business processes. These service providers might include, but are not limited to, website designers, email service providers, fraud detection and prevention services, customer care resources, or data analytics contractors.  In addition, Top 10 Mortgage Rates, LLC may share your Personal Information and/or Usage Data with advertising networks, marketing partners, publishers and other entities who perform analytics and advertise our products and services on websites not affiliated with us as described in our Privacy Policy.  Top 10 Mortgage Rates, LLC is not responsible for any data collection and practices of non-affiliated third-parties that are linked to or from our Website.

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.

Communication Agreement 

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.

Territorial Restrictions 

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.

Links to or Connections with Third Party Sites or Applications  

Our Services or communications may contain Third Party offers, content or links to Third Party sites, applications or services.  Our Services may also include features that allow you to connect your top10mortgagerates.com account with accounts or services provided by third parties, such as accounts you maintain with financial institutions or social media platforms. We do not control, maintain, or endorse the Third-Party content or services, and we are not responsible or liable for any Third-Party content or service, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party content or service. Your interactions and business dealings with the Providers of the Third-Party content or service, including products or services offered by such third parties, are solely between you and the Third Party. You should review all of the relevant terms and conditions associated with Third Party content or service, including any privacy policies and Terms of Use. We are not responsible for any information that you agree to share with third parties.

Our Content

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 Partners' Intellectual Property

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.

Infringement of Rights

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 legal@top10mortgagerates.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.

Use License  

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:

  • Modify or copy the materials
  • Use the materials for any commercial purpose, or for any public display (commercial or non-commercial)
  • Attempt to decompile or reverse engineer any software contained on our website(s);
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or "mirror" the materials on any other server
  • Use or attempt to use any engine, software, tool, agent or other device or mechanism (including, without limitation, customized browsers, spiders, robots, avatars or intelligent agents) to navigate or search top10mortgagerates.com other than the search engine and software available from top10mortgagerates.com on such top10mortgagerates.com and other than generally available Third-Party web browsers such as Firefox is strictly prohibited.

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.

Disclaimers  

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.

Limitation of Liability

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.

Indemnification

You agree to defend, indemnify and hold harmless Top 10 Mortgage Rates, LLC, its affiliates, licensors and service Providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising from: (i) your use of and access to our Service, including any data or content transmitted or received by you; (ii) your violation of any term of this Agreement, including without limitation your breach of any of the representations and warranties; (iii) your violation of any Third Party right, including without limitation any right of privacy or intellectual property rights; (iv) your violation of any applicable law, rule or regulation; (v) any other party’s access and use of our Service with your unique username, password or other security code; or (vi) any other relating to your violation of these Terms of Use or your use of our Services or Content other than as expressly authorized in these Terms of Use. Top 10 Mortgage Rates, LLC reserves the right but not the obligation, at our expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.

Governing Law

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.

Governing LawWaiver of Class Action or Jury Trial 

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.

Deactivation and Termination  

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.

Changes to Our Terms of Use  

Periodically, we may enhance our Terms of Use.  We reserve the right to make changes or updates at any time.  If we make material changes to the way we process your Personal Information or Usage Data, we will revise the date on this webpage. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. If you no longer wish to use our Services based on these changes, you may deactivate or terminate your account(s).

The materials contained in this website are protected by applicable copyright and trademark law.

If you have questions, complaints, or suggestions regarding our Terms of Use, please contact us at legal@top10mortgagerates.com.