Last updated: April 14, 2025
These Terms of Service ("Terms") govern your use of ratecompas.com and its tools and content (the "Service"), operated by RateCompas AI ("we," "us," or "our"). By using the Service, you agree to these Terms. If you do not agree, please do not use the Service.
RateCompas AI provides educational financial tools and content to help you understand loan offers. You may use the Service for personal, non-commercial purposes subject to these Terms.
You agree not to:
The loan analysis, calculations, lender recommendations, and all content provided by RateCompas AI are for informational and educational purposes only. Nothing on this site constitutes financial, legal, tax, or investment advice.
The analysis generated by our AI tools is based on information you provide and general market data. It may not reflect your complete financial situation, current lender terms, or applicable laws in your jurisdiction. Always consult a licensed financial advisor, lender, or other qualified professional before making borrowing decisions.
We make no representations or warranties regarding the accuracy, completeness, or suitability of any information provided through the Service.
We strive to provide accurate calculations and up-to-date information, but we cannot guarantee that all information on this site is current, complete, or error-free. Interest rates, lender terms, and market conditions change frequently. Always verify information directly with lenders before making any financial decisions.
Some links on this site are affiliate links. When you click these links and apply for or purchase a financial product, we may receive a commission. This does not affect the price you pay. We maintain editorial independence and our tools and analysis are not influenced by affiliate relationships. We comply with FTC guidelines regarding affiliate disclosure.
This site contains links to third-party websites including lenders, financial institutions, and other resources. These links are provided for your convenience. We do not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party site. Your use of third-party sites is at your own risk and subject to their terms.
All content on this site including text, design, graphics, and code is the property of RateCompas AI or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, RateCompas AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to financial losses arising from reliance on information provided by this site.
You agree to indemnify and hold harmless RateCompas AI and its operators from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service or violation of these Terms.
We reserve the right to modify these Terms at any time. We will update the "Last updated" date at the top of this page when changes are made. Your continued use of the Service after changes are posted constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Illinois.
For questions about these Terms, contact us at: legal@ratecompas.com