This is a thoughtful pre-launch draft, not legal advice or a substitute for review by counsel familiar with lending lead generation, telemarketing, advertising, privacy, and the states where RateHarbor will operate.
Service description
RateHarbor is intended to operate as a marketing and matching service. It is not a lender, creditor, loan broker, insurer, insurance producer, credit-repair organization, or financial adviser. Submitting information is not a credit application, offer, approval, or guarantee.
Eligibility and accurate information
Users must be at least 18 and legally able to agree to these terms. Information submitted must be accurate, current, and about the submitting user or supplied with proper authority.
Provider relationships
Participating providers are independent third parties. They control their products, underwriting, credit inquiries, rates, terms, fees, eligibility, communications, and decisions. Users should review provider terms and privacy practices before proceeding.
Estimates and educational content
Calculators and articles provide estimates and general information only. Results may omit fees, taxes, insurance, title costs, term changes, prepayment provisions, and other factors. Users should verify all figures and compare total costs.
Acceptable use
Users may not submit false information, interfere with the service, attempt unauthorized access, introduce malicious code, scrape the service unlawfully, impersonate another person, or use the service in violation of law.
Disclaimers and liability
The final agreement must include state-appropriate warranty, liability, indemnity, dispute, and governing-law terms drafted for the operating entity. No arbitration, class waiver, or liability limitation should be published from this placeholder without legal review.
Changes and contact
RateHarbor may revise these terms prospectively. Final notices, effective dates, and contact details must be added before public launch.
Operational requirement: insert verified business and consumer-request contact details before public launch.