Terms of Service

Welcome to CU-Rates.org. By accessing or using our website, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By accessing and using CU-Rates.org, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website.

2. Description of Service

CU-Rates.org provides mortgage rate comparison information from Massachusetts credit unions. Our services include:

• Mortgage rate comparisons
• Credit union information
• Mortgage calculator tools
• Educational content about mortgages

3. No Financial Advice

Important: The information provided on CU-Rates.org is for informational purposes only and does not constitute financial, legal, or professional advice. We are not a financial institution, mortgage broker, or lender.

You should consult with qualified professionals before making any financial decisions. We do not endorse or recommend any specific credit union, mortgage product, or financial decision.

4. Rate Information Accuracy

While we strive to provide accurate and up-to-date mortgage rate information:

• Rates are subject to change without notice
• Rates displayed may not reflect current availability
• Actual rates may vary based on individual circumstances
• We are not responsible for errors or omissions in rate data

Always verify current rates directly with the credit union before making decisions.

5. User Conduct

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Scrape, copy, or redistribute our content without permission
• Use automated tools to access our website excessively
• Impersonate any person or entity

6. Intellectual Property

All content on CU-Rates.org, including text, graphics, logos, and software, is the property of CU-Rates.org or its content suppliers and is protected by copyright and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

7. Third-Party Links

Our website contains links to credit union websites and other third-party sites. We are not responsible for the content, privacy practices, or terms of service of these external sites.

8. Disclaimer of Warranties

CU-Rates.org is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Fitness for a particular purpose
• Non-infringement

9. Limitation of Liability

To the fullest extent permitted by law, CU-Rates.org and its operators shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use our website
• Decisions made based on information from our website

10. Indemnification

You agree to indemnify and hold harmless CU-Rates.org, its operators, and affiliates from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms.

11. Advertising

We may display advertisements on our website through third-party advertising networks such as Google AdSense. We may earn revenue from these advertisements, but this does not influence our rate comparisons or recommendations.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified Terms.

13. Termination

We reserve the right to terminate or suspend access to our website at any time, without notice, for any reason, including violation of these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have questions about these Terms, please contact us at:

[email protected]