Acceptance of these Terms
By using RefiRatesToday, you agree to these Terms of Use. If you do not agree, do not use the site.
About RefiRatesToday
RefiRatesToday is an independent publisher operated by Nofo Times LLC. The site provides educational refinance content, calculators, comparison frameworks, advertising, affiliate links, and optional conversation request forms.
RefiRatesToday is not a lender, mortgage broker, loan originator, bank, credit union, loan servicer, financial advisor, tax advisor, accounting firm, or law firm.
No loan application
RefiRatesToday forms are not loan applications. Do not submit Social Security numbers, dates of birth, tax returns, income documents, bank statements, mortgage statements, full loan numbers, credit reports, or other sensitive borrower files through this site.
Any actual loan application, disclosure review, underwriting process, rate lock, approval, or closing must occur directly with a licensed mortgage professional or lender.
Third-party providers and lead routing
RefiRatesToday may allow visitors to request an introductory conversation with a mortgage professional or other third-party service provider. Any such provider is independent from RefiRatesToday and Nofo Times LLC.
RefiRatesToday does not control, endorse, guarantee, or warrant any third-party provider, loan product, rate, fee, service, advertisement, communication, underwriting result, or response to your inquiry. Any agreement you enter into with a third party is between you and that third party.
Accuracy and availability
We try to publish useful and accurate information, but we do not guarantee that any page, calculator, estimate, rate discussion, cost example, or third-party reference is complete, current, accurate, or suitable for your circumstances.
We may update, remove, restrict, or change any part of the site at any time.
User responsibilities
You are responsible for evaluating your own mortgage decisions, verifying information, reviewing official disclosures, and consulting qualified professionals. You are also responsible for the accuracy of any information you submit.
Prohibited conduct
You may not misuse RefiRatesToday, interfere with site security or operation, submit false or unauthorized information, attempt to scrape or overload the site, upload malicious code, impersonate another person, or use the site for unlawful, abusive, misleading, or privacy-invasive purposes.
Intellectual property
Site content, design, text, graphics, calculators, organization, and other materials are owned by Nofo Times LLC or used with permission. You may not copy, republish, scrape, sell, or redistribute substantial portions of the site without written permission.
Third-party links
The site may link to third-party websites, advertisers, lenders, brokers, service providers, data sources, or tools. RefiRatesToday is not responsible for third-party websites, content, policies, products, services, or practices.
Limitation of liability
To the fullest extent permitted by law, RefiRatesToday and Nofo Times LLC are not liable for losses, costs, damages, or claims arising from your use of the site, reliance on site content, calculator estimates, rate changes, lender actions, third-party communications, underwriting decisions, appraisal outcomes, closing costs, loan denials, loan approvals, or mortgage decisions made by you or any third party.
Your sole remedy for dissatisfaction with RefiRatesToday is to stop using the site.
Indemnification
You agree to defend, indemnify, and hold harmless Nofo Times LLC and RefiRatesToday from claims, damages, liabilities, costs, and expenses arising from your misuse of the site, violation of these Terms, violation of law, or submission of false, unauthorized, or misleading information.
Governing law and venue
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any lawsuit, claim, or proceeding arising from or relating to RefiRatesToday, these Terms, or use of the site shall be brought in the state or federal courts located in Nassau County, New York, unless applicable law requires otherwise.
Contact
Questions about these Terms may be sent to info@refiratestoday.com.