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Terms of Use

Welcome to RateBid, brought to you by RateBid.com, LLC (hereafter referred to as RateBid). By accessing and using information and services available on the RateBid website, you agree to be bound by the following terms of use ("Terms of Use") and our Privacy Policy. If you do not wish to be bound by these terms, you may not access or use this site in any manner.

  1. Personal Use. You agree to use the Services for your personal use. Your commercial use is limited to transactions done on your own behalf. Professionals (referred to as "Sellers") may provide information to consumers (referred to as "Customers") via the Services or, if authorized and legal, take actions on behalf of a consumer. Subject to the restrictions set forth in the following paragraphs, you may copy information from the Services only for your personal use only to (a) view, (b) print, (c) save, (d) fax, and (e) share via e-mail or social media outlets. You agree not to reproduce, sell, modify, decompile, distribute, disassemble or reverse engineer any portion of the Services without consent from RateBid.

  2. Restrictions and Additional Terms. You agree not to modify or remove copyright or trademark notices that appear in the Services. You will not use the Services for service bureau, resale, time-sharing or other similar purposes. Further:
    1. Acceptable Use. You agree not to use the Services in any way that is unlawful, or harms RateBid, its suppliers, service providers, or any other user. You agree not to use the Services in any way that breaches the RateBid Rules or any other policy described within the Services.
    2. Calls. The Services may provide contact information, including phone numbers, which can connect you with RateBid or other third parties, such as Sellers.

  3. Materials You Provide; Privacy; Account Use; Third Party Web Sites. For materials you provide to RateBid or in connection with the Services (referred to as "your submission", you grant RateBid a perpetual, irrevocable, worldwide license to (a) copy, use, distribute, publicly display, transmit, publicly perform, edit, reproduce, translate, and modify your Submission in connection with the Services and (b) sublicense these rights, to the maximum extent permitted by law. RateBid will not pay for any Submission. RateBid may remove any Submission at any time. For each Submission, you represent that you have all necessary rights to grant RateBid the rights outlined in this paragraph. You are responsible for all actions taken through your RateBid account. RateBid services may involve distributing your Submission to third party Web sites, which RateBid has no control over. RateBid is not responsible for and makes no representations or warranties pertaining to these third party Web sites, including but not limited to the availability, functionality, or content of these Web sites. You represent that your Submission complies with the terms of use associated with any such third party Web site and you understand that your Submission and your use of a third party Web site will be treated in accordance with the privacy policy of that third party Web site.

  4. Advertising. RateBid is primarily funded through advertising sales. You agree that the Services may include advertisements, and that advertisements are necessary to operate the Services. RateBid may display advertisements to you based on information RateBid collects on our site. Please see our Privacy Policy for more information.

  5. Nature of the Services. RateBid allows customers to provide anonymous information (referred to as "RateBid Requests") to sellers of a variety of goods and services (such as real estate, mortgage, and insurance services) to request quotes (referred to as "RateBids) for services that these sellers provide. Sellers can choose to respond to a RateBid Request by submitting non-binding customized RateBids, which include terms they may be able to offer to a customer, based on information customers provide in their RateBid Requests. RateBids include sellers' contact information. RateBids for mortgages are not Good Faith Estimates. All business conducted as a result of an introduction by the RateBid Services is between the customer and the seller.
    1. The Role of RateBid; Disclaimer. RateBid does not recommend or endorse the goods or services of any Seller. RateBid does not guarantee that any RateBids submitted by Sellers will be granted to Customers. RateBid does not serve as an agent of either Customers or Sellers. RateBid is only providing as an introduction service between to customers and sellers. RateBid assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that you take based on the Services.
    2. Fees. The RateBid is free for Customers and Sellers; however RateBid reserves the right to begin charging fees to either Customers or Sellers for use of the services.
    3. Participating Sellers. Sellers using the RateBid Services are solely responsible for their services to Customers. You agree that RateBid shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the RateBid web site or the services offered by Sellers. RateBid reserves the right, at any time and in its sole discretion, to discontinue, terminate, or suspend the participation of any Seller or other user from the RateBid Web site. You understand that RateBid does not currently require Sellers to meet any standards to use the RateBid Web site and submit RateBids to customers, therefore Customers should perform due diligence and confirm credentials on Sellers using the Services.
    4. Privacy. RateBid will not provide personally identifying information about Customers to any Seller. However, RateBid will provide such information about Sellers to Customers. RateBid will also use such information to improve the relevance of advertising shown to you.

  6. Linked Materials. The Services may include links to products and/or services from third party web sites. RateBid takes no responsibility and does not endorse such products and/or services from these web sites.

  7. Seller Responsibility. Sellers are solely responsible for their communication with and services for Customers in connection with the Service. Sellers agree not to use the Service in any way that breaches the Good Neighbor Policy, the RateBid Rules, or any other code of conduct, notice or policy on the Service. Each Seller agrees not to use the Service in any way that is unlawful, or harms RateBid, its service providers, suppliers or any Customer. Sellers will indemnify RateBid, its officers, directors, employees, and agents from and against any and all claims, costs, demands, losses, liabilities, expenses and damages (including attorneys' fees, costs, and expert witnesses' fees) arising out of or in connection with (i) violation of these Terms of Use, or (ii) any transaction, other business, or other communication by the Seller with Customers of the Service.

  8. Compliance with Laws. Sellers will comply with all applicable state federal laws and regulations in its application and in any business operations conducted pursuant to these Terms of Use. Sellers shall ensure that all of its business associates conducting business related to the Service is in compliance with all federal, state or other laws or regulations applicable to them in their professional capacities. Sellers will only operate in, and respond to RateBid Requests from jurisdictions where the Seller is licensed or otherwise authorized to operate by applicable law. Sellers will cooperate with RateBid to investigate or enforce these Terms of Use, the RateBid Rules, and applicable laws and regulations, and with any inquiry or investigation by regulators or law enforcement officials related to the Service.

  9. The Role of Sellers; Disclaimer. RateBid has not confirmed any information in any RateBid Request, any information about the Customer submitting a RateBid Request, or any information in a "RateBid Rating". RateBid does not endorse or recommend any Customer or the products or services of any particular Seller. RateBid does not guarantee information provided by any Customer, any terms or conditions offered by any Seller, or that a customer will be offered any type of product, service, or terms from any Seller . RateBid is not an agent of any Customer or Seller. RateBid is only providing an introductory service to Customers and Sellers. RateBid assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that a Seller takes based on the Service and any other information or other material on the Service.

  10. Interruption or Discontinuance. RateBid may interrupt any Sellers participation in the Service or discontinue the Service at any time. Any Seller may cease to provide RateBids at any time.

  11. RateBids and Other Materials Provided by Sellers; Account Use; Privacy. For RateBids submitted by a Seller or other materials any Seller provides to RateBid in connection with the Service, the Seller grants RateBid an irrevocable, perpetual, worldwide license to (a) use, copy, transmit, distribute, publicly display, reproduce, publicly perform, modify, edit, and translate, in connection with the Service, RateBid or in any other media, and (b) sublicense these rights, to the maximum extent permitted by applicable law. RateBid will not pay Sellers to submit RateBids to Customers. For each RateBid submission, the Seller represents and warrants that the Seller has all rights necessary to grant RateBid the rights in this paragraph. Sellers are responsible for all actions taken via the Seller's account. Each RateBid account is personal to the Seller, and the Seller may not share the account with others. RateBid will treat use of the Services in accordance with its Privacy Policy.

  12. Claims of Copyright Infringement. RateBid respects the intellectual property rights of others. Anyone who believes that their work has been infringed upon may notify RateBid.com LLC by calling 1-855-728-3243.

  13. NO WARRANTY. RATEBID PROVIDES THE SERVICES "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RATEBID AND ITS SUPPLIERS MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. RATEBID AND ITS SUPPLIERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION (A) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT, (B) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE, AND (C) WARRANTIES OR CONDITIONS OF UNINTERRUPTED OR ERROR-FREE ACCESS OR USE.

  14. LIABILITY LIMITATION; EXCLUSIVE REMEDY. IN NO EVENT WILL RATEBID OR ANY SUPPLIER BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THESE TERMS OF USE OR YOUR USE OF THE SERVICES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE EXCLUSION OF DAMAGES UNDER THIS PARAGRAPH IS INDEPENDENT OF YOUR EXCLUSIVE REMEDY AND SURVIVES IN THE EVENT SUCH REMEDY FAILS OF ITS ESSENTIAL PURPOSE OR IS OTHERWISE DEEMED UNENFORCEABLE. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (A) BREACH OF CONTRACT, (B) BREACH OF WARRANTY, (C) NEGLIGENCE, OR (D) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS OF USE, OR YOU HAVE ANY DISPUTE OR CLAIM AGAINST RATEBID OR ITS SUPPLIERS WITH RESPECT TO THESE TERMS OF USE OR THE SERVICES, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES.

  15. Real Estate Licenses. RateBid does not act as a real estate agent for you or any other user.

  16. Changes; Discontinuance. RateBid reserves the right to change the Terms of Use, and you are responsible for regularly reviewing these Terms of Use. Your continued use of the Services after the effective date of such changes will constitute acceptance of and agreement to any such changes. RateBid may discontinue or suspend the Services at any time to you and/or to others, without notice.

  17. Choice of Law; Disputes. These Terms of Use are governed by the laws of the State of Missouri, without giving effect to its conflict of laws provisions. In any dispute arising under this Agreement, the prevailing party will be entitled to attorneys' fees and expenses.

  18. General. You agree not to export from anywhere any part of the Services provided to you or any direct product thereof except in compliance with and with all licenses and approvals required under, applicable export laws, rules and regulations. All Services used by the U.S. Government are provided with the commercial license rights described herein. If any part of these Terms of Use is determined to be invalid or unenforceable, then the invalid or unenforceable provision will be replaced with a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use will continue in effect. The section titles in these Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance. RateBid may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign these Terms of Use, or assign, transfer or sublicense your rights, if any, in the Service. RateBid's failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Except as expressly stated herein, these Terms of Use constitute the entire agreement between you and RateBid with respect to the Services and supersede all prior or contemporaneous communications of any kind between you and RateBid with respect to the Services.

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If you have any questions about RateBid's Terms and Conditions, please feel free to contact us.


This page was last updated September, 2011.