Last Modified: November 26, 2021
RapidRefinance.com is a referral website, using a licensed third-party mortgage-broker, that connects consumers with financial service providers to help these consumers achieve a healthier financial being. When you, the consumer, call our number, you may be directly connected with one of our partners, or an affiliated third-party, to assist you with your refinance needs. RapidRefinance.com is not responsible and does not guarantee any outcomes from any of our partners, affiliated third-parties, or any other independent service providers to which you may be referred by RapidRefinance.com. Services may not be available in all states so please check with the provider directly. Our partners, affiliated third-parties, or any of the independent service providers may charge fees and have their own terms of service.
This Agreement contains a binding arbitration agreement, which provides that you and we agree to resolve certain disputes through binding individual arbitration and give up any right to have those disputes decided by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See the Legal Disputes section of this Agreement.
Acceptance of the Terms of Use
These terms of use are entered into by and between You and RapidRefinance.com ("Company," "we," or "us"). The following terms and conditions[ together with any documents they expressly incorporate by reference (collectively, "Terms of Use"), govern your access to and use of www.rapidrefinance.com, including any content, functionality, and services offered on or through www.rapidrefinance.com (the "Website"), whether as a guest or a registered user.
Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.
This Website is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
Changes to the Terms of Use
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Website.
Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.
Links to Third Party Websites
RapidRefinance.com may contain links to other sites who may provide lending services, or other finance related services (“Linked Sites”). The Linked Sites are not under the control of RapidRefinance.com and RapidRefinance.com is not responsible for any of the content presented on the Linked Sites, including without limitation to any links contained in any of the Linked Sites, changes or updates made to any of the Linked Sites, or any content and data protection provided by the Linked Sites. RapidRefinance.com is not responsible for webcasting or any other form of transmission received from any of the Linked Sites. RapidRefinance.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement byRapidRefinance.com of the site or any association with its operators.
Prohibited Use
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
• To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms of Use.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.
Additionally, you agree not to:
• Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website.
• Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
• Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the Website.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
• Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Website.
Access Restriction / Access Termination
We reserves the right, in its sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time, without notice, for any breach of these Terms and Conditions or for any other reason within our sole discretion.
Financial Decision Responsibility Disclosure
RapidRefinance.com and its affiliates provide a venue through which you may obtain finance educational information and information regarding third-party service providers, such as financial institutions, lenders and other financial professionals (“Service Providers”). RapidRefinance.com does not endorse or recommend the products or services of any Service Provider and under no circumstance is to be considered an agent or advisor to you or any third-party Service Provider.
You acknowledge that RapidRefinance.com has no control over the Service Providers’ fees, quotes, terms, rates, coverage, products, or services. Thus, RapidRefinance.com does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers appearing on the Website. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the market. You understand and acknowledge that there may be better offers by other providers not referenced herein.
It is your responsibility to investigate the Service Providers and determine which one fits your situation best. You acknowledge and agree that Service Providers are solely responsible for any services that you may elect to receive from the Service Providers, and that RapidRefinance.com and its owners, officers, members, and or affiliates are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
User Contributions and Communications
The Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, "post")content or materials (collectively, "User Contributions") on or through the Website. You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. The content standards herein apply to any and all User Contributions and use of Communication Services. By way of example, and not as a limitation, you agree that when using a Communication Service, you will comply with this “Content Standards” and will not:
We have no obligation to monitor the Communication Services. However, should we choose to do so, we reserves the right to review materials posted to a Communication Service and to remove any materials posted or shared in its sole discretion. In the event of breach of this provision, we reserve the right to terminate any access to this Website Communication Services.
Furthermore, you represent and warrant that:
• You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
• All of your User Contributions do and will comply with these Terms of Use.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website. No compensation will be paid with respect to the use of your User Contribution, as provided herein.
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
Offline Electronic Communications
a)Mobile Devices
By subscribing to RapidRefinance.com you consent to receive electronic communications from RapidRefinance.com in electronic form, via email, Short Message Service (“SMS Service”) or wireless internet (“WAP Service”) and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Website to that device and understand your carrier’s standard rates apply to any messages sent from RapidRefinance.com. You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by notifying us at admin@RapidRefinance.com or you can click the “Opt-out” link on the bottom of the email. Only United States residents may use the SMS or WAP Service.
b)Data Security
SMS or WAP Services are provided via wireless systems which use radio frequencies(and other means) to transmit communications over complex networks. RapidRefinance.com do not guarantee your use of the SMS or WAP Services will be private or secure, and RapidRefinance.com will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agreeRapidRefinance.com may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THE INFORMATION, THIRD-PARTY’S PRODUCTS AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEBSITE MAY INCLUDE INACCURACIES, INCOMPLETE MATERIALS, OR TYPOGRAPHICAL ERRORS. WE MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE WEBSITE SHOULD NOT BE RELIED UPON AS PROFESSIONAL LEGAL OR FINANCIAL ADVICE, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION PRIOR TO MAKING A DECISION.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL INFORMATION, WEB PAGES, PRODUCTS, SERVICES AND RELATED SERVICE PROVIDER INFORMATION AND MATERIALS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. RAPIDREFINANCE.COM HEREBY DISCLAIM ALL WARRANTIES INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPANY BELIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: THE USE OR PERFORMANCE OF THE WEBSITE, THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED OR OFFERED PRODUCTS AND SERVICES BY THIRD PARTIES, OR OTHERWISE ARISING OUT OF THE USE OF RAPIDREFINANCE.COM, WHETHER BASED ON CONTRACT, TORT (INCLUDING, INTENTIONAL TORTS, NEGLIGENCE, AND STRICT LIABILITY), OR OTHERWISE, EVEN IF RAPIDREFINANCE.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THEREFORE IF YOU ARE FROM A STATE PROHIBITING LIMITATION OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING RAPIDREFINANCE.COM.
Copyright and Trademarks Notices and Protections
The website RapidRefinance.com, and the RapidRefinance.com logo are trademarks, trade names or service marks of Company, and the entity owning the Website. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of RapidRefinance.com or the owner of such trademark or service mark. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred. Any rights not expressly granted herein are reserved.
Copyright Infringement
In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), RapidRefinance.com will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:
RapidRefinance.com’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:
Designated Agent – Copyright Infringement Claims
RapidRefinance.com
5769 W. Sunrise Blvd.
Plantation, FL 33313
Email: admin@RapidRefinance.com
It is the policy of the Company to terminate the user accounts of repeat infringers.
Indemnification Provision
You agree to defend, indemnify and hold harmless RapidRefinance.com and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information relating to your request of services from our third-party Service Providers;(iii) your access or use of our services and the third-party Service Providers;(iv) your transmissions, submissions or postings (i.e., your own User Generated Content); and/or (v) any personal injury or property damage caused by you.
ARBITRATIONOF DISPUTES AND CLASS WAIVER
Please read this section carefully. It affects your rights and will have a substantial impact on how claims you and we have against each other are resolved.
The parties agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and RapidRefinance.com (including any of its affiliates, officers, directors, employees, and agents), whether or not such dispute or claim involves a third party, arising out of your interaction and use of the Website or relating in any way to any aspect of our relationship, whether directly or indirectly, or arising out of this agreement or any previous versions of this agreement governing your use of, or access to, our Website, or any products or services by third parties offered or obtained through our Website (“Dispute”).
The parties agree to submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules and Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association (“AAA”), or by mutual agreement through another arbitration service provider. The AAA’s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration shall be in the nearest metropolitan area in which the consumer resides, and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. The arbitrator shall follow Florida law as the substantive law, and shall be guided by the Federal Rules of Civil Procedure and Federal Rules of Evidence in administering the arbitration proceeding.
Class Action/Jury Waiver: You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a lass of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree to waive the right to a trial by jury for all disputes.
You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To optout, you must notify us in writing, within 30 days of the date that you first began using this Site subject to these arbitration terms or changes to them, either by U.S. mail delivered to: Attn: Legal Department, RapidRefinance.com, 5769 W. Sunrise Blvd., Plantation, FL 33313 or by email delivered to admin@RapidRefinance.com. You must include: (1) your name and residence address; (2) the email address and/or mobile telephone number associated with your account; and (3) a clear statement that you want to optout of this agreement to arbitrate.
This Agreement to Arbitrate will survive the termination of your relationship with us: Unless you and we agree otherwise, if you opt out of the Agreement to Arbitrate, if the Agreement to Arbitrate is found by a court to be unenforceable, if your claim is not covered by the Agreement to Arbitrate, you agree that any Dispute that has arisen, or may arise, between you and us must be resolved exclusively in accordance to the Governing Law and Jurisdiction provision in these terms and conditions. Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.
GENERALTERMS:
Governing Law and Jurisdiction
All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule (whether of the State of Florida or any other jurisdiction).
Any legal claim, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in accordance with the terms of the Arbitration provision herein. In the event, that the Arbitration provision herein is found to be unenforceable, or that you have timely opted out of Arbitration, you agree to bring any claim, action, or proceeding in the exclusive jurisdiction of the state or federal courts with competent jurisdiction sitting exclusively in Broward County, Florida. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
Limitation on Time to File Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVEARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
Waiver and Severability
No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Entire Agreement
The Terms of Use, and our Privacy Policy constitute the sole and entire agreement between you and RapidRefinance.com, regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.