Privacy Policy & Terms of Use

RateSpy.com is owned by Kanetix Ltd.

Contact information: 1-888-854-2503 or [email protected] 225 King St W, Suite 1000, Toronto, ON, M5V 3M2.

PRIVACY

RateSpy never sells your personal data and shall never, under any circumstances, allow third parties to have access to it.

It is kept hidden and secure and is used for two purposes only:

1) To send you the rate-related information you specifically request or indicate a preference for, including but not limited to RateSpy newsletters, story alerts and rate alerts. (You can always unsubscribe at any time.)

2) To create anonymous aggregate market data for reporting to consumers–such as you–and third parties. (One example: If you live in Ontario and search for 5-year fixed rates, we’ll anonymously count your search along with all the other 5-year fixed rate searches in Ontario in order to determine how popular 5-year fixed rate searches are in Ontario.)

In short, your data is your data and we respect it.

For more information related to privacy, or to ask a question, contact us anytime.

TERMS

1.1 The terms, conditions and policies on this page shall govern your use of our website.

1.2 By using our website, you accept these terms, conditions and policies in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3 You must be at least [18] years of age to use our website; by using our website or agreeing to these terms, conditions and policies, you warrant and represent to us that you are at least [18] years of age.

1.4 Our website uses cookies; by using our website or agreeing to these terms, conditions and policies, you consent to our use of cookies in accordance with the terms of our privacy and cookies policy.

1.5 RateSpy.com is a news and information website that collects publicly available rate and mortgage data from all prime lenders and top mortgage brokers and reports it to the public. RateSpy.com does not require nor seek permission to exercise its rights to display rate and mortgage data from any provider. You explicitly agree that it can display said data as it sees fit and at is sole and unfettered discretion. Our website collects this data in accordance with the law from multiple sources, not just the rate provider’s website.

1.6 RateSpy’s business model is to earn advertising revenue from a minority of the roughly 300+ mortgage providers you see on this website. We believe in full rate objectivity and in no case does a provider’s lack of payment to us cause us to hide or otherwise obscure that provider’s mortgage rates.

1.7 RateSpy.com is owned by Kanetix Ltd. (Kanetix). Kanetix also owns mortgage brokerage, intelliMortgage Inc., which advertises its rates here on a similar basis as all other advertisers.

USE OF WEBSITE

2.1 Information provided on RateSpy.com is editorial material and general information, and not financial advice. RateSpy.com is a mortgage rate news publication and not a mortgage broker or lender. You hereby acknowledge that Ratespy.com shall bear no responsibility for the actual rates that you do receive, and that RateSpy.com provides general information and is not intended as financial advice.

2.2 The rates shown on this site may not be the provider’s actual rates and are not guaranteed to always be updated in a timely fashion. Some rates, particularly major bank rates (including those marked with an asterisk *), reflect RateSpy.com estimates of discounting.

2.3 Your rate may be significantly better or worse than the rates you see on this site, or you may not qualify for the rates at all.

2.4 You will always confirm with the source (i.e., the lender or broker quoting the information and rates) before relying on any information from this website.

2.5 All information on the site is provided as-is without warranty and is subject to change without notice.

2.6 All rates are available on approved credit (OAC) only, are subject to the lender’s conditions and may contain errors and omissions. No warranties are provided with respect to performance of this website, its data quality, timeliness of updates, accuracy or other factors related to data and data updates.

2.7 If you enable Rate Alerts, you specifically grant us consent to email you these alerts and acknowledge that they are provided as-is without warranty. You can disable alerts at any time. Due to the potential of unforeseen technical and data difficulties, Rate Alerts cannot be guaranteed to trigger based on your criteria. You hold us harmless for any outcomes of your use of Rate Alerts. Rate Alerts may also expire after one year. Hence, they should not be relied on for any vital or financial-related purpose.

2.8 This site and its owner make no claims that information dispersed through message boards or other means is accurate or reliable. We will not be held liable for any statements made by users of the message forums. Users are responsible and liable for all activities while participating on the message boards. Users are responsible for anything they post and for protecting their own computer system. Some content and links on the internet may contain content not be suitable for all readers.

Users are responsible for any actions they may take based on information they receive on-line. Users should use their own good judgment in evaluating information received on-line.

RateSpy’s message board shall be used for lawful purposes only. You agree that no material shall be posted on or transmitted through these forums which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, indecent, which encourages conduct that would constitute a criminal offense, gives rise to civil liability or is otherwise objectionable.

RateSpy strives to maintain a positive informative community and reserves the right to limit, delete or edit commentary that it feels, in its sole discretion, does not benefit users of this website.

2.9 All communications between users of RateSpy’s forums are public and not private communications. The opinions and viewpoints expressed by users these forums are wholly their own and not necessarily those of RateSpy or its owner. We reserve the right to post, remove or edit any messages without notice. We also reserves the right to ban users for any reason without notification.

RateSpy reserves the right to remove any message with promotional or advertising statements or links to other sites in it. We are not responsible for the content of any site that is linked within the OPCA forum’s message boards.

INTELLECTUAL PROPERTY AND COPYRIGHT

3.1 You will not copy, republish, frame or commercially utilize information from this website without the explicit and prior written consent from Kanetix. Any unauthorized copy, republishing, frame or commercial utilization from this website is strictly prohibited, and RateSpy.com reserves the right to strictly enforce its legal rights in the event of a breach therein.

3.3 RateSpy may refuse, correct, reposition, reject or delete rates, lenders, brokers and forum posts at any time, for any reason, at its sole discretion.

3.4 As a participant on this site, you agree that we can tweet, blog, report on or otherwise publish any content that relates to you or your organization, which you either volunteer or which exists in the public domain.

3.5 Cookies may be stored on your computer to facilitate a more user-friendly experience.

3.6 All intellectual property rights pertaining to RateSpy.com remain that of Kanetix, and you will not use or extract any data, rates, images or information from this website for business use without the advance express written consent of Kanetix.

3.7 RateSpy.com may track and publish non-personally-revealing information about you or your business, subject to its privacy policy.

ADVERTISING & POSTS ON RATESPY.COM

4.1 You warrant that any advertisements, rates, messages, images and other information you post on RateSpy.com are lawful, truthful and permitted.

4.2 As a user of this site, you will be held solely responsible for the content of any message that you post. If you post libelous, defamatory, slanderous, or otherwise untruthful remarks about a person or company, you could be putting yourself in legal jeopardy.

4.3 You will not post any information that impersonates another individual or company, contains spam, profanity or vulgar language, or is excessively insulting or argumentative, abusive, degrading, harassing, deceptive, fraudulent, or otherwise inappropriate.

4.4 RateSpy.com and its related parties are not responsible for comments left by 3rd parties on this website, regardless of whether those 3rd parties are registered users of RateSpy.com and regardless of whether RateSpy.com has control over publishing their comments.

4.5 If you request your rates to be advertised on this website and websites related to RateSpy.com which use its data, you agree that it is your sole responsibility to confirm that all information that RateSpy.com displays related to your company, products, rates, agents, brokers, or representatives, is accurate and does not contravene any laws or regulations. If it is not, you agree to notify us immediately and allow us to correct it.

4.6 If you are a broker that has requested to have your rates be displayed on RateSpy.com, you thereby agree that as a condition of RateSpy’s acceptance of your rates, you will price at least one mortgage term among the lowest three (3) rates on RateSpy.com for that term. Barring that, your rates may be removed from the website without notice, unless you are a Premium Exposure Package subscriber.

4.7 As a paid advertiser, in exchange for the right to advertise on RateSpy.com, you agree to advertise rates on RateSpy.com that are at least as low as the rates you are advertising elsewhere.

4.8 If you are an advertiser, broker, mortgage specialist, advisor or lender who has requested to display your rates on this website or accept mortgage inquiries from RateSpy.com, you warrant that you are legally permitted to advertise on this website and provide the information you do to us. Further, you agree to hold Kanetix harmless for any and all claims, losses and damages you or your affiliates may incur in relation to this website, your participation on this website and the information this website contains.

4.9 Registration is limited to one username per member. RateSpy.com may, without prior notice, immediately terminate any or all of your accounts after discovering you have registered, and/or posted under, multiple usernames.

5.0 These terms may be updated by Kanetix from time to time without notice. As a user of this website, you agree that it is your responsibility to keep informed of any such changes to the terms published on this page.

5.1 As a paid advertiser, former or current, you may temporarily remove your rates for up to 15 days in any 12 month period, subject to RateSpy.com’s ability to display any rates of yours that appear on websites, and subject to the other terms herein.At all times, paid advertisers must have a minimum of two rates active on the website. If, as a paid advertiser, you request your rates to be removed, and RateSpy.com chooses to display your rates, you will not be billed pay-per-click fees (or other fees related to your rate being displayed) during this time.

DISCLAIMER

5.2 While we do take all reasonable steps to make sure that the information on this website is up to date and accurate at all times we do not guarantee that all material is accurate and ,or up to date.

5.3 All material contained on this Website is provided without any or warranty of any kind. You use the material on this Website at your own discretion.

LIMITATION OF LIABILITY

6.1 You will hold RateSpy.com, its owner Kanetix, its employees, representatives and agents harmless for any liability, losses, damages, claims or actions resulting from your involvement with RateSpy.com and the use of data and commentary presented on RateSpy.com or website’s related to RateSpy.com.

DISPUTE RESOLUTION

7.1 In the event of a dispute, you agree to make reasonable efforts to try to permanently cure any disputes with RateSpy.com within thirty (30) days. Any dispute arising between you and RateSpy.com that cannot be resolved by discussion within a thirty (30) day time period from the written notice of any disputing party where the monetary amount in dispute is no more than TWENTY FIVE THOUSAND DOLLARS ($25,000.00) shall be resolved by commencing a legal action at the Small Claims Court of Ontario. If you and RateSpy.com are not able to resolve the dispute in a mutually-agreeable manner within a thirty (30) day time period, and the monetary threshold exceeds TWENTY FIVE THOUSAND DOLLARS ($25,000.00) either party may refer the dispute to binding arbitration as mutually agreed to between the parties.

LAW and JURISDICTION

8.1 These terms of use are governed by Ontario law. Any dispute arising in connection with these terms of use shall be subject to the exclusive jurisdiction of the province of Ontario.

RateSpy is a registered trademark of Kanetix Ltd. and used under license.