Last updated: July 19, 2010
Welcome to RefiForLess.com® (referred to as “RFL”, "we," "us," or "our"). Before you begin to use the RefiForLess.com website ("RFL Website"), please take a moment to review this Terms of Use Agreement ("Agreement"). The Agreement describes the terms and conditions applicable to your use of the RFL Website and the products and services provided through or in connection with the RFL Website (collectively, "Service"), which may be updated by RFL from time to time without notice to you. RFL may also offer other services that are governed by a different Terms of Service. It is our responsibility to review this Terms of Use Agreement for any changes or updates in policy.
You must read and agree with all of the terms and conditions contained in this Agreement and the RFL Website privacy policy then in effect ("Privacy Policy"), which is incorporated by reference, before you use the Service. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.
1. Loan Products and Services. The RFL Website is an online marketplace where you can research and compare prices in a number of different categories, including home purchase loans, home equity loans, and home refinance loans. You understand and agree that if you submit a request for a loan product or service offered through the Service, RFL will share your personal information (such as your full name, address, telephone number, and social security number) with Providers in our provider network, including banks, correspondent lenders, mortgage bankers and brokers (referred to individually as "Provider" and collectively as "Providers") to process and fulfill your request. You authorize RFL, in its sole discretion, to use your social security number to obtain your credit score for the purpose of matching your request with Providers. Your further authorize Providers that receive your personal information to use your social security number to pull your credit score and credit report for the purpose of processing and fulfilling your request.
You acknowledge that RFL does not make loans or credit decisions in connection with the Service and that RFL is not a party to any agreement that you may make with the Provider, and that the Provider is solely responsible for its services to you. You further acknowledge that RFL is not acting as your agent or broker and is not recommending any particular loan product or Provider to you. Any compensation RFL may receive is paid by the individual Provider for the products and services rendered by RFL to that particular Provider. RFL does not charge you a fee to use the RFL Website. You understand that requirements for a particular loan product are made by the individual Providers and that RFL does not endorse, warrant, or guarantee the products or services of any the Providers. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that RFL shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Provider's service.
By submitting your contact request for a loan product, you are consenting to be contacted by Provider BRIM Consulting, Inc. or other affiliate partners either by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, the Do Not Call List of an internal company. You understand that the Providers may maintain the information you submitted to RFL whether you elect to use their services or not. In the event you no longer want to receive communications from a Provider, you agree to notify the Provider directly. You also give RFL permission to send you periodic updates of current loan products which may be of interest to you.
2. Use of the RFL Website and Service. You certify to RFL that: (i) you are at least eighteen (18) years of age; (ii) you assume full responsibility for the use of the Service by any minors; (iii) you agree that all information you have submitted to RFL, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the RFL Website or Service; and, (iv) your use of the Service is subject to all applicable federal, state, and local laws and regulations.
3. Prohibited conduct. You must not (i) submit, transmit or facilitate the distribution of information or content that is harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person's view, objectionable; (ii) submit, transmit, promote or distribute information or content that is illegal; (iii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service; (iv) take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v) upload invalid data, viruses, worms, or other software agents through the Service; (vi) use any robot, spider, scraper or other automated access the Service for any purpose without our express written permission; (vii) impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; (viii) submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships; (ix) interfere with the proper working of the Service; or, (x) bypass the measures we may use to prevent or restrict access to the Service.
4. Privacy Policy. RFL respects your privacy. Personal information submitted in connection with the Service is subject to our Privacy Policy. For more information, see our full Privacy Policy.
5. Copyright and Trademark Notice Information. All contents of the RFL Website are: Copyright © 2004 - 2010 RefiForLess and/or its Providers and third party vendors. All rights reserved. Any and all trademarks and service marks and other RFL logos and product service names are trademarks of RFL ("RFL Marks"). Without RFL’s prior permission, you agree not to display or use in any manner, the RFL Marks. All other logos or brand names shown on the Service are trademarks of their respective owners and/or licensors.
6. Proprietary Rights. You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further agree that all materials and/or content, including, but not limited to, articles, artwork, screen shots, graphics, logos, text, drawings and other files on the RFL Website or as part of the Service are copyrights, trademarks, service marks, patents or other proprietary rights of RFL or their respective intellectual property owners. Except as expressly authorized by RFL, you agree not to modify, copy, reproduce, sell, distribute or create derivative works based on or contained within the Service or the Software, in whole or in part.
RFL grants you a personal, non-transferable and non-exclusive right and license to use the code of its Software on a single computer; provided that you do not copy, modify, create a derivative work of, reserve engineer, decompile, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including, without limitation, for the purpose of obtaining unauthorized access to the Service by any means other than through the interface that is provided by RFL for use in accessing the Service.
7. Links. RFL, through the Service or otherwise, may provide links to other websites. Because RFL has no control over such websites, you acknowledge and agree that RFL is not responsible for the availability of such external websites, and does not endorse and is not responsible or liable for any content, advertising, products, whether loan, auto, or telecommunications, or other materials on or available from such websites. You further acknowledge and agree that RFL shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, goods or services available on or through any such website.
8. Indemnification. You agree to indemnify and hold RFL, its subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, the violation of the Agreement by you, or the infringement by you, or any other user of the Service using your computer, of any intellectual property or other right of any person or entity. RFL reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
9. No Warranty. RFL PROVIDES THE SERVICE "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURANCY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RFL MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. RFL DISCLAIMS ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (i) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT; (ii) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE; AND, (iii) WARRANTIES OR CONDITIONS THAT ACCESS TO OR USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. THERE ARE NO WARRANTIES THAT EXTEND BEYOND THE FACE OF THIS AGREEMENT.
10. Limitation of Liability. IN NO EVENT WILL RFL BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE SERVICE, EVEN IF RFL HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3) STRICT LIABILITY, (4) TORT, (5) NEGLIGENCE, OR (6) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST RFL WITH RESPECT THIS AGREEMENT OR THE SERVICE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
11. Release. YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE RFL AND ITS AFFILLIATES, PARTNERS, SERVICE PROVIDERS, VENDORS, AND CONTRCTORS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.
12. Notice. RFL may provide you with notices, including those regarding changes to the Agreement, by either email, regular mail, or postings on the Service. All notices to RFL must be made in writing and mailed to:
RefiForLess.com: Attn: Legal Department
______________________________
13. Termination. You agree that RFL may, under certain circumstances and without prior notice, immediately terminate your access to the Service. Cause for such termination shall include, but not be limited to: (i) breaches or violations of the Agreement or other incorporated agreements or the Privacy Policy; (ii) requests by law enforcement or other government agencies; (iii) discontinuance or material modification to the Service (or any part thereof); and (iv) unexpected technical or security issues or problems. You agree that all terminations for cause shall be made in RFL’s sole discretion and that RFL shall not be liable to you or any third party for any termination or access to the Service.
14. Dealings with Third Parties. Your correspondence or business dealings with any third parties as a result of your visit and participation in the Service, including, but not limited to, business dealings with mortgage brokers or lenders, insurance agents or carriers, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that RFL shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on the Service.
15. Disputes. This Agreement will be interpreted in accordance with the laws of the State of California, without regard to the conflicts of laws principles thereof. The parties agree that any and all disputes, claims or controversies arising out of or relating to the Agreement, its interpretation, performance, or breach, that are not resolved by informal negotiation within 30 days (or any mutually agreed extension of time), shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in Los Angeles, California, or its successor. Either party may commence the arbitration process called for herein by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures in effect at the time of submission of the demand for arbitration. The costs of arbitration plus reasonable attorneys’ fees (including fees for the value of services provided by in house counsel) shall be awarded to the prevailing party in such arbitration. Judgment on the award rendered by the arbitrator may be entered in the Superior Court of California, County of Los Angeles, or the United States District Court for the Central District of California. Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the Superior Court of California, County of Los Angeles, or the United States District Court for the Central District of California: (i) any dispute, controversy, or claim relating to or contesting the validity of RFL’s proprietary rights, including without limitation, trademarks, service marks, copyrights, or trade secrets; or, (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or provisional relief such as writs of attachments or possession.
THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT RFL’S PLACE OF BUSINESS IN THE COUNTY OF LOS ANGELES, STATE OF CALIFORNIA, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE COUNTY OF LOS ANGELES, STATE OF CALIFORNIA.
16. Modification to Service. RFL reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that RFL shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
17. Waiver and Severability of Terms. The failure of RFL to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect.
18. Disclosure of Your Information. You acknowledge, consent and agree that RFL may access, preserve, and disclose the information we collect about you if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce the Agreement; (iii) respond to claims that any information or content violated the rights of the third parties; (iv) respond to your requests for customer service; or (v) protect the rights, property, or personal safety of RFL, its users and the public.
19. Entire Agreement. The Agreement constitutes the entire agreement between you and RFL and governs your use of the Service, superseding any prior agreements between you and RFL. You also may be subject to additional terms and conditions that may apply when you use or purchase certain when you use certain other RFL services, affiliate services, third party content or third party software.
20. Survival. The following paragraphs shall survive termination or your refusal to continue to use the Service: 7, 8, 10, 11, 12, 13, and 17.
21. Statute of Limitations. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Last updated: August 1, 2006
We Respect Your Privacy
At RefiForLess.com®, your security is a top priority and we are committed to protecting your privacy online. This pledge outlines the steps we've taken to ensure that you have a great experience at RefiForLess.com, and also provides details on how we treat any personal information you may submit to us.
This Privacy Pledge applies to this website, RefiForLess .com. In addition, BRIM Consulting , Inc. owns several other domain names that point to RefiForLess.com, and we will from time to time add new sites that may or may not be listed in this Privacy Pledge. Please note that this policy applies only to sites maintained by RefiForLess, Inc. and not to websites maintained by other companies or organizations to which we link. In addition, this policy applies only to information collected by RefiForLess, Inc. online, not offline.
Disclosures & Licenses
RefiForLess is not a lender or a broker. The information provided by you to RefiForLess is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by a lender or broker that advertises with RefiForLess and you submit a loan application to such lender or broker, your information remains between you and that lender or broker.
RefiForLess does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.
RefiForLess shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.
In no event shall RefiForLess be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, currentness, validity and quality of any information is with the user.
Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. The information we collect may be from the following sources:
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other sources (such as service providers) for tracking purposes. We may add the information we receive about you to your existing account. Like other websites, we also automatically receive and record certain types of information every time you visit us. We use " cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our website. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
Information Sharing and Disclosure
We do not share personal information about you with other people or nonaffiliated companies except to provide product or services you have requested or under the following circumstances:
Loan Products or Service Requests - If you submit a request for a loan product or service offered through this website we will share the personal information contained in your request form, such as your full name, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network strictly to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with lenders in our provider network. For example, we may use your social security number to obtain your credit score to help us match you with a lender. In addition, lenders that receive your personal information may use your social security number to pull your credit score and/or credit report in order to process and fulfill your request. All lenders in our provider network, which include banks, mortgage lenders and brokers, have entered into marketing agreements with RefiForLess.com and are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email, or mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the lenders contacts you by telephone and you wish not to be contacted again by that lender with respect to your inquiry, then you should specifically make a request to that lender not to contact you again. If the lender disregards your request and contacts you again, please let us know immediately by sending an email to RefiForLess.com Please note that the lenders may maintain the information you provided whether you elect to use their services or not.
Vendors - We sometimes disclose the information we collect to companies that host certain services for us such as marketing distribution services on our behalf. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information except to market the specified RefiForLess.com products or services.
Affiliate Partners - Personal and business information submitted through any Affiliate Program may be shared with these affiliates.
As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of RefiForLess.com's, see Terms of use or as otherwise required by law.
Business Transfer - As with any other business, it is possible that RefiForLess, Inc. in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by RefiForLess.com, including customer account information, but would continue to be bound by this privacy pledge unless you consent otherwise.
Advertisements & Pop Up Windows
On occasion, you may receive advertisements for RefiForLess.com from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising RefiForLess.com. Please note that such advertisements are served by the third party website that you have visited and are not controlled by RefiForLess.com. In addition, such advertisements may be placed by third party ad servers or ad networks. We maintain relationships with a number of the third party ad networks currently operating. You may find more information at the website of either the individual ad network or other Network Advertising.
Anti-Spam Policy
You will not receive RefiForLess.com email communications unless you submit your email address to us and register to receive them. Additionally, you may also receive emails that advertise RefiForLess.com's services from third party publishers. We have established firm ground rules for dealing with any third party email services to ensure that advertisements for RefiForLess.com are not sent out through a "Spam" mailing -- ensuring that our offers are sent only to those individuals who have given their permission to the third party email service to receive email communications. If any third party email publisher refuses to abide by RefiForLess.com's anti-Spam policy, we will not use that publisher's services. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. An "unsubscribe" link should appear within or at the top or bottom of the email you received. However if for any reason it does not work, please bring that to our attention by emailing us at RefiForLess.com.
Confidentiality and Security
The security of your personal information is very important at RefiForLess.com and we take a number of steps to safeguard it. For example:
Opting-Out
You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to RefiForLess.com (You may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that RefiForLess.com can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you enter into a transaction through our website, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.
Third Party Links
This Privacy Pledge applies to all information that you provide to RefiForLess.com. However, when you visit websites to which RefiForLess.com provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.
If RefiForLess.com receives personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between RefiForLess.com and such third party.
Framing
In some cases, we may use third party vendors to operate portions of the RefiForLess.com website. Although the particular section of the website may have a similar appearance as the RefiForLess.com site, information submitted through these outside third parties are subject to this Privacy Pledge unless otherwise stated. For example, personal information submitted through our Affiliate Programs is subject to the privacy policies of those affiliates.
A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians Please see our Terms of Use for more information.
Updating Your Information
If you want to access or update the personal information you submitted to RefiForLess.com, please contact RefiForLess.com. In the alternative, you can write us at the address below and request that your personal information be updated.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:
By sending an email to: service@refiforless.com
________________
Changes to this Privacy Pledge
RefiForLess.com may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how RefiForLess.com will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.
By using this site, you signify your assent to the RefiForLess.com Privacy Pledge. If you do not agree to this policy, please do not use any of the RefiForLess.com site. W hen you request rate quotes or other information through RefiForLess.com, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Pledge will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Pledge.