Between You or User & Get A Rate
Please read this agreement (“Agreement”) carefully before accessing or using this web site (“Site”). By accessing or using the Site, you agree to be bound by this Agreement. Get A Rate and its suppliers provide the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site and accessing its content constitutes your agreement to all the terms, conditions and notices contained in this agreement.
The information and services offered on this Site are provided with the understanding that neither Get A Rate, nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers that may appear throughout the Site.
Get A Rate and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take or don’t take based on the information, services or other material on this Site. While Get A Rate and its suppliers, strive to keep the information on this Site accurate, complete and up-to-date, Get A Rate, and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES
You may access and print materials on this Site for your personal and non-commercial use. However, you may not modify, copy, distribute, transmit, display, reproduce, publish, create works from, frame and use in another Web page, use on any other web site, transfer or sell any information, products or services obtained from this Site. If and when requested by Get A Rate, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Get A Rate, you agree to refrain from accessing or attempting to access secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution. Individuals that violation these prohibitions will be prosecuted.
All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Get A Rate and its affiliates. ©Copyright Get A Rate LLC 2012. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Site is permitted without the written permission of Get A Rate and / or its affiliates.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant and hold harmless, Get A Rate, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, notices, and applicable federal and state laws. If you violate any of these terms, your permission to use the Site automatically terminates.
Your use of this Site is at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, loss of money, material, equipment or data, neither Get A Rate, nor its affiliates are responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. GET A RATE LLC, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL GET A RATE, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF GET A RATE, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless Get A Rate, its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation of this Agreement.
LINKS TO THIRD PARTY SITES
CHANGES TO AGREEMENT
Get A Rate may and can modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. It is your responsibility to review this Agreement periodically, and your continued access or use of this Site will be deemed to be your acceptance of the modified Agreement.
This website is applicable to and should only be used by persons 18 years of age or older and located within the United States of America. Accessing or using this website by any person under the age of 18 or from locations outside the United States is prohibited.
This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of New Jersey without giving effect to any principles of conflicts of law. Failure by Get A Rate or its affiliates to strictly enforce any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) month after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Get A Rate, and/or its affiliates and you related to this Agreement shall be brought in federal district court and/or by methods of mediation. You agree that the decision as to where to bring or hold these proceedings is at the sole discretion of Get A Rate, and/or its affiliates.
Get A Rate logos, products and service names are trademarks owned by and licensed to Get A Rate, or its affiliates (the “Marks”). Without the prior written permission of Get A Rate, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners.
2. General Disclosures
In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
- Equal Housing Opportunity Lender
- Equal Credit Opportunity Act Fair Lending Notice
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is:
Federal Trade Commission
Equal Credit Opportunity
Washington DC 20580
Fair Lending Policy
Get A Rate is committed to fair lending practices. It is our policy to make credit products available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending.
Get A Rate does not discriminate against any credit request on the basis of race, color, religion, national origin, marital status, age (providing the applicant is of legal age and has the capacity to enter into a binding legal contract), sex, disability, familial status, receipt of public assistance, or if the individual has exercised in good faith any right under the Consumer Credit Protection Act, or on any prohibited basis.
No High Cost Loans
Get A Rate is also committed to not originate loans that would be considered “High Cost Loans” under the Federal Home Ownership & Equity Protection Act. (HOEPA).
No Predatory Lending
Get A Rate’s will not originate loans that have “Predatory” characteristics nature. We also do not require that borrowers purchase single paid, or life credit insurance premiums from Get A Rate.
Website Authorization by New York State Department of Financial Services Pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this website.
3. Advertised Rate Disclosure Information
All advertised rates are subject to underwriting approval. Not all applicants will be approved. Fees and Charges may apply. Minimum credit score of 740 required to be eligible for advertised rate. Full documentation & property insurance required. Loans secured by liens against your property. Consolidating debts may increase the time and/or the total amount needed to repay your debt. Taxes & insurance are not included in any payments advertised. Terms, conditions & restrictions apply. Your rate and term may vary. Lock in fee required to secure rate. The only way to lock in a rate is to speak with a Get A Rate employee and receive confirmation of lock-in. Loans are arranged through third party lenders and investors. Recent advertised rates are subject to change without notice. Advertised rates are available on owner-occupied single-family residential properties. Call for further details.
Rates for purchase and refinance loans may vary. Fees and charges may apply. An advertised rate is not guaranteed and does not constitute an approval. Not all applicants will be approved. Minimum credit score requirement apply. Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. Taking cash our consolidating debt my increase time for approval, the rate, loan amount and the requirements of your loan. Rates may include discount points. Rates and terms may vary. You can only lock in a rate if you speak with a Get A Rate Professional. Locks require a lock-in fee. Rates are not available in all areas. Minimum and maximum loan amounts apply. Rates are subject to change without notice. Taxes and Insurance are extra. Waiving escrow may require a higher rate or additional fees.
We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.
Privacy (Website Visitors)
Our Online Privacy Statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with Get A Rate as a client. Information We Collect About You during Your Online Visit.
Website Visitors / Users
While browsing our site as a visitor or user, we may collect and store information about your online visit (cookies). This information may include the time and length of your visit, the pages you view on our site, the last site you visited before coming to ours, and the name of your internet service provider.
We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.
We may use encryption to protect your information as it travels across the Internet. This can help prevent others from eavesdropping on your browser sessions with our Web servers. We use an AES_128_GCM SSL level of encryption on a Linux/Apache 2.2 server hosting environment with Rackspace Hosting, Inc. servicing from their Chicago, IL server. Their corporate headquarters are located in 1 Fanatical Place, City of Windcrest, San Antonio, TX 78218. Get A Rate’s selection process involved extensive research and a vetting process to ensure a high level of security requirements were met prior to picking a vendor.
Our Web site may be protected by firewall technology, which helps prevent your information and our Web site from being improperly accessed. Rackspace Hosting, Inc. provides firewalls, load balancers, network monitoring and auto-migrations for DDos attacks.
We will utilize the best available technologies and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (Social Security Numbers, Dates of Birth, Account Numbers, PIN Codes) through this Site. User access control security measures are provided by WordPress where the system provides permissions once a user signs up and logs in.
Security patch updates are done on a quarterly basis and ad hoc in between each quarter when performing additional work on the site. In addition to the encryption, firewalls and general security measures, malicious code prevention and intrusion detection systems are provided by iThemes Security, which monitors the site for threats 24 hours a day, 7 days a week, 365.25 days a year.
Website Visitor/User Information Sharing
This information sharing may either be done to serve you better, to offer products and services that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.
Lastly, we may at times receive compensation for sharing this information to third party companies. This information sharing may be the result of marketing agreements that exist between Get A Rate and third party non-affiliated marketing partners.
*Please see opt out details below if you wish to opt out of this policy.
Information Collection and Sharing Practices for Existing Customers
Existing Customer/Previous Users
- Apply for a loan
- Inquire about a loan
- Close a loan
We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.
Information We Share About Our Previous Customers
We may collect and subsequently share personal information about current or previous Get A Rate customers to:
- Run our everyday operations
- Respond quickly to your requests or needs
- Help us communicate with you
- Evaluate your eligibility for additional products and services that may be of interest to you
What We Share
We may share personal information that includes, but is not limited to your:
- Name, address, and other account application information
- Account balances, transactions, and payment history
- Identify information such as your social security number, license number, and date of birth
- Creditworthiness including credit history, credit reports and credit score
With Whom We Share
We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investors, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.
We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.
Finally, we may share information we collect about you with companies related by common control or otherwise affiliated with Get A Rate. This is to offer you products and services that may be of interest to you. These types of companies are called affiliates.
Benefits of sharing
We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within Get A Rate family of businesses and with valued partners or our employees in order to evaluate eligibility, or to offer and recommend products or services that may be right for you.
Safeguard Policies & Procedures Contact
Get A Rate’s safeguard policies will be reviewed and updated on an annual basis by our authorized officer, Vice President Nick Marenoski, whose contact information is listed below:
Get A Rate
Attn: Nick Marenoski
200 Riverfront Blvd. First Floor
Elmwood Park, NJ 07407
Telephone: 201-393-0200 or 866-955-5655
Customer Information Sharing Choices/Opt Out
Federal law requires us to tell you how we collect, share, and protect personal information about our customers. While Federal law allows us to share information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information.
- About your credit worthiness with our affiliates
- To all non-affiliates to offer you their products and services
State laws may give you additional rights regarding our information sharing.
We share personal information about you as permitted by the law of the state in which you reside and in accordance with federal law. As a Get A Rate customer you received our Privacy Notice/Policy when you became our customer or when you initially became interested in becoming our customer.
If your past choices have not changed, you only need to tell us one time, as long as you remain a Get A Rate customer.
Customer Data Protection
We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.
Our policy is to treat customer information as we would want our own information treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate, and non-affiliate to care for personal information about our customers.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Some of the steps we take to protect your information is securing all computer terminals with password protections, locking sensitive information in storage, shredding all documentation containing client information, and performing background checks on all employees.
Correcting Information We are committed to maintaining accurate and up-to-date information on you and all of our customers and web visitors. We may contact you from time to time to verify that we have accurate information for you or to update the information that we have. If you have any questions, please contact Nick Marenoski, VP of operations, at the below address.
How to contact us regarding this site:
Get A Rate LLC
Attn: Nick Marenoski
200 Riverfront Blvd. First Floor
Elmwood Park, NJ 07407
Telephone: 201-393-0200 or 866-955-5655
Identity Theft / Fraudulent Activities
Identity Theft occurs when someone uses sensitive information, called Personally Identifiable Information (or PII) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application Fraud. [Account Takeover occurs when an individual acquires another person’s existing credit account information and purchases products and services at the victim’s expense. Application Fraud occurs when an individual uses another’s Social Security Number or other Personally Identifiable Information to open new credit accounts in the victim’s name.]
If you believe you are a victim of Identity Theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.
Trans Union (1-800-680-7289)
Carefully review your credit reports for accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.
If you do not want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to the following website (www.annualcreditreport.com) or by calling them toll-free at 1-877-322-8228. (Hearing impaired consumers can access their TDD service at 1-877-730-4204.)
To learn more about identity theft, visit the Federal Trade Commission’s web site to receive further information and insights about how to protect yourself from identity thieves.
Identity Theft Hotline: 877-438-4338
Mail: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave., N.W., Washington, DC 20580
5. State Specific Disclosures & Licensing Information
California: California Department of Business Oversight - Finance Lenders Law License (#60DBO87597)
Connecticut: Connecticut Mortgage Lender License (ML-907795)
Florida: Florida Mortgage Lender License (MLD1487)
Georgia: Mortgage Lender License (63211)
New Jersey: Residential Mortgage Lender licensed by the NJ Department of Banking and Insurance (NJ DOBI). Consumers wishing to file a complaint to NJ DOBI, 20 W. State Street, Trenton, NJ 08625.
New York: Registered NY Mortgage Broker. All NY mortgage loans are arranged with third party lenders - Get A Rate LLC does not directly offer or guarantee NY interest rates or loan programs and does not directly issue commitments or make final decisions on loan terms. Authorized website by the New York State Department of Financial Services. (RMB 208697)
Pennsylvania: Mortgage Lender License (#62020)
Texas: Registered Mortgage Banker. Consumers wishing to file a complaint against a mortgage company or a licensed mortgage company residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at WWW.SML.TEXAS.GOV. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at WWW.SML.TEXAS.GOV. The department maintains the mortgage broker recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult Subchapter F of the Mortgage Broker License Act on the department’s web at WWW.SML.TEXAS.GOV.
Washington: Consumer Loan Company License (#CL-907795)