1. Acceptance of Terms By accessing and using the website www.1rate.com (the “Site”), you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Changes to Terms 1RATE, Inc. (“we,” “us,” or “our”) reserves the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of those changes.

3. Privacy Policy Your use of the Site is also governed by our Privacy Policy, which can be found here.

4. Application Ownership This application is owned and operated by 1RATE, Inc., 12123 Heritage Park Circle, Silver Spring, MD 20906, which is referred to below as “1RATE” or “we” or “us” or “Company” or “our.”

5. Permitted Use You agree that:

• Your use of this application is subject to and governed by these Terms of Use.
• You will only access or use this application and transact business with us if you are at least 18 years old.
• You will comply with and be bound by these Terms of Use as they appear on this application each time you access and use this application.
• Each use of this application by you indicates and confirms your assent to and agreement to be bound by these Terms of Use.
• These Terms of Use are a legally binding agreement between you and 1RATE that will be enforceable against you.

You agree that you will not use or attempt to use this application for any purpose other than conducting mortgage banking related business with 1RATE as a bona fide client of 1RATE; you may not use or attempt to use this application or any part of this application for any purpose:

• That interferes with or induces a breach of the contractual relationships between 1RATE and its employees.
• That is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property.
• That transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications.
• That transmits any harmful or disabling computer codes or viruses.
• That harvests Email addresses from this application.
• That transmits unsolicited Email to this application.
• That interferes with our network services.
• That attempts to gain unauthorized access to our network services.
• That suggests an express or implied affiliation with 1RATE or broker relationship with 1RATE (without the express written permission of 1RATE).
• That impairs or limits our ability to operate this application or any other person’s ability to access and use this application.
• That unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity.
• That harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct.
• That transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images.
• That harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities.
• That dilutes or depreciates the name and reputation of 1RATE or any of its affiliates.
• That transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy.
• That unlawfully transmits or uploads any confidential, proprietary or trade secret information.

6. Access To This Application 1RATE reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this application.

7. Use Of This Application You agree and acknowledge that you have the sole responsibility and liability for your use of this application and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this application.

8. Intellectual Property All content on the Site, including text, graphics, logos, and images, is the property of 1RATE, Inc. or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without our express written permission.

9. Disclaimer of Warranties The Site is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, or materials included on the Site. You expressly agree that your use of the Site is at your sole risk.

10. Limitation of Liability To the fullest extent permitted by law, 1RATE, Inc. shall not be liable for any damages of any kind arising from the use of the Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

11. Indemnification You agree to indemnify, defend, and hold harmless 1RATE, Inc., its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the Site using your account.

12. Governing Law These Terms of Use shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles.

13. Contact Information If you have any questions about these Terms of Use, please contact us:

• By email: [email protected]
• By phone: 1-844-501-7283

14. Termination We reserve the right to terminate or suspend your access to the Site, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users of the Site, us, or third parties, or for any other reason.

15. Entire Agreement These Terms of Use constitute the entire agreement between you and 1RATE, Inc. regarding the use of the Site and supersede any prior agreements between you and 1RATE, Inc. regarding the use of the Site.