Terms of Use

Smooth Rates - Terms of Use - Updated October 2023

‍1. Introduction Welcome to Smooth Rates. The Smooth Rates website (the “Site”) comprises various web pages operated by Smooth Rates Inc. (“Smooth Rates”). These terms and conditions apply to all services offered through our websites and any affiliates and subsidiaries in which it is posted. Your use of Smooth Rates is contingent on your acceptance of the terms, conditions, and notices contained herein (the "Terms"). Please read these terms carefully and keep a copy for your reference.

‍2. Ownership and Operation This website is owned and operated by Smooth Rates, a mortgage lead generation company. Your eligibility for particular products and services is subject to our final determination, restrictions, and acceptance.

‍3. Privacy and Electronic Communications Your use of the Site is subject to the privacy policy. By using Smooth Rates, you consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications provided to you electronically, via email, and on the Site satisfy any legal requirement for written communication.

‍4. Links to Third-Party Sites/Third Party Services Smooth Rates may contain links to other websites. These linked sites are not under the control of Smooth Rates, and Smooth Rates is not responsible for their content. The inclusion of any link does not imply endorsement by Smooth Rates of the site or any association with its operators. Certain services available through Smooth Rates may be delivered by third-party sites and organizations.

‍5. No Unlawful or Prohibited Use/Intellectual Property You are granted a nonexclusive, nontransferable, revocable license to access and use Smooth Rates strictly in accordance with these terms of use. You may not use the Site for any unlawful or prohibited purpose. All content included on the Site, such as text, graphics, logos, and images, is the property of Smooth Rates and protected by copyright and other intellectual property laws.

‍6. International Users The Site is controlled and administered by Smooth Rates from our offices within the USA. If you access the Site from a location outside the USA, you are responsible for compliance with all local laws.

‍7. No Minor Use The Site is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited except in conjunction with a parent or guardian.

‍8. Indemnification You agree to indemnify, defend, and hold harmless Smooth Rates, its officers, directors, employees, agents, and third parties for any losses, costs, liabilities, and expenses relating to or arising out of your use of the Site or services.

‍9. Arbitration and Class Action Waiver Disputes between the parties shall be resolved by final and binding arbitration conducted by a single neutral arbitrator. Class arbitrations and class/representative/collective actions are not permitted.

‍10. Liability Disclaimer The information, software, products, and services provided on the Site may include inaccuracies or typographical errors. Smooth Rates and its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the Site.

‍11. Termination/Access Restriction Smooth Rates reserves the right, in its sole discretion, to terminate your access to the Site and related services at any time, without notice.

12. Lead Generation Disclosure Smooth Rates operates solely as a mortgage lead generation service and is not a mortgage company. We do not originate, fund, or service mortgages directly. Our platform connects potential borrowers with qualified mortgage professionals who may assist in securing financing. Any information provided on this website is for informational purposes only and should not be considered as financial advice. Smooth Rates does not endorse or guarantee the products, services, or rates offered by any third-party mortgage professionals listed on our platform. Users are encouraged to conduct their own due diligence and seek independent financial advice before making any mortgage-related decisions.

‍13. Financial Education Content The Site provides tools and information for educational purposes only. Smooth Rates is not a lender or creditor.

‍14. Social Media Content By submitting content on the Site or on Smooth Rates social media platforms, you grant Smooth Rates a perpetual, irrevocable, royalty-free license to use and distribute such content.

‍15. How We Are Compensated Smooth Rates is paid a marketing lead generation fee by providers for the goods, facilities, and services provided.

‍16. Changes to Terms Smooth Rates reserves the right to change the Terms under which it is offered. The most current version of the Terms will supersede all previous versions.For technical issues with this website, please contact us at info@SmoothRates.com