Please read this Terms of Service Agreement carefully. findingadegree.com ("findingadegree.com," "our," "us")
provides the Services, which are defined below, to you subject to the following Terms of Service, which may be
updated by us from time to time without notice to you. By accessing, browsing or using the websites (collectively,
the "Website(s)" or "Site(s)") owned and operated by findingadegree.com and the Services provided through or
in connection with the Websites, you accept and agree to be bound by the terms and conditions of the Terms
of Service. Your continued use of the Services following any posted changes to the Terms of Service constitutes
your acceptance of such changes.
YOU AGREE THAT BY USING THE SERVICE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND
THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT.You certify to findingadegree.com 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 through the Service, online or otherwise, is accurate
and complete, and that you have not knowingly submitted false information on or through the Website or Service;
and, (iv) your use of the Service is subject to all applicable federal, state, and local laws and regulations.
findingadegree.com respects your privacy and permits you to control the treatment of your personal information.
reference into this Terms of Service Agreement. If you do not agree to be bound by these Terms of Service
Terms Applicable to All Products and Services
Our Service is an online marketplace where you can research and compare services in a number of different
categories, including, but not limited to, home purchase loans, home equity loans, home refinance loans,
dating, dieting, healthcare, auto insurance, and online educational programs (collectively, the "Service").
findingadegree.com; does not endorse or recommend the products or services of any particular Client
(defined below) on any of its Websites or guarantee acceptance into any particular program. findingadegree.com
is not an agent of either you or any Client.
Additional Terms Applicable to:
findingadegree.com does not charge you a fee to research and compare services. Any compensation
findingadegree.com may receive is paid by the individual Client that provides such products and services.
You understand and agree that if you submit a request for a product or service offered through the Service,
findingadegree.com will share your personal information (such as your full name, address, e-mail address,
social security number, telephone number, and any other information you provided or permitted us to obtain
and disclose) with any Clients in our network, including but not limited to banks, correspondent lenders,
mortgage bankers, brokers, dieting and healthcare providers, insurances agents, and online education
program providers, (hereinafter referred to individually and/or collectively as "Client(s)") to process and
fulfill your request.
You understand that Clients are not employees or agents of findingadegree.com, nor is findingadegree.com
an agent of the Clients. The terms of your relationship with any Client, including terms, conditions, warranties
or representations associated with such dealings, are solely between you and such Client. Your rights under
any contract you may enter into with any Client are governed by the terms of such contracts and by
applicable federal, state and local laws, rules and regulations. Should you have a dispute with any Client,
you must address such dispute with the Client directly. You agree not to hold findingadegree.com liable for
any loss or damage of any sort incurred as the result of any of your dealings with any Client.
findingadegree.com does not guarantee that it will be able to match you with a Client or Clients through
your use of this Service or that the Clients available through this Service are either capable of or willing to
provide you with products or services. findingadegree.com and our participating Clients expressly reserve
the right to discontinue, suspend or terminate the offering of findingadegree.com’s Service and participating
Clients’ products or services at any time and without prior notice.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or
submission, you understand that you are agreeing to the stated terms and conditions of that submission
and that you are submitting an inquiry as to any product through our Service to each of the Clients to
whom your request is transmitted. By submitting any request for products or services, you are extending
an express invitation to be contacted by one or more Clients either by telephone, email, or postal mail
based on the information you have provided to us, even if you have opted into any federal, state, or other
applicable Do Not Call List. You understand that Clients may maintain the information you submitted
through the Service whether you elect to use their services or not. In the event you no longer want to
receive communications from a Client, you agree to notify the Client directly. You also give findingadegree.com
permission to send you periodic updates of current products or services which may be of interest to you.
Content Disclaimer: findingadegree.com MAKES NO WARRANTY REGARDING THE CONTENT ON ANY
WEBSITE, AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH
Loan Products and Services The loan products and services are conducted through the RateMarketplace
Website, located at ratemarketplace.com, and/or any other Website(s) owned or controlled by . You
understand and agree that by submitting your personal information (including but not limited to your name,
address, telephone number, property information, financial information and social security number) you
authorize to (i) use this personal information to obtain and use your credit report and credit score for the
purpose of matching your loan request with lenders or brokers, (ii) share this personal information with
Dieting and Healthcare Services
You acknowledge that findingadegree.com does not make loan or credit decisions in connection with the
Service and that findingadegree.com is not a party to any agreement that you may make with the Client,
and that the Client is solely responsible for its services to you.
You further acknowledge that findingadegree.com is not acting as your agent or broker and is not
recommending any particular loan product or Client to you. You should rely on your own judgment in
deciding which available loan product, terms and lender best suits your needs and financial means. You
understand that requirements for a particular loan product are made by the individual Clients and that
findingadegree.com does not endorse, warrant, or guarantee the products or services of any Client. Nothing
contained herein will constitute an offer or promise for a loan commitment or interest rate lock-in
agreement. Likewise, findingadegree.com does not guarantee that the loan terms or rates offered and
made available by Clients are the best terms or lowest rates available in the market. A Client’s offer
may be subject to market conditions, approval and qualification. The rates and fees actually provided by
lenders may be higher or lower depending on your complete credit profile, collateral/property
considerations including but not limited to location, equity and value and income/asset consideration
including but not limited to loan to value and debt to income ratios.
No Medical Advice: The information provided by us should not be used to diagnose, prevent or treat
a health problem or disease. The information provided by us or our Clients is not intended or to be
used to treat any type of medical condition such as obesity or any health related issue.
Dating Referral Services
The statements contained through our Service have not been evaluated by the Food and Drug
Administration and are not intended to diagnose, treat, cure or prevent any disease. The statements
are for informational purposes only and are not meant to replace the services or recommendations of a
physician or qualified health care practitioner. The information we provide does not constitute an
attempt to practice medicine nor does it establish a doctor-patient relationship. Results may vary for
each user and we do not guarantee any specific results. If you are pregnant, nursing, or taking
medication we suggest consulting a physician before using any of our Clients’ products.
Disclaimer of Liability: You assume full responsibility for all of the health information contained within
our Website. We are not liable in any way for results stemming from any use of this information.
You assume all risk when using the Service, including but not limited to all of the risks associated with
any online or offline interactions with others, including dating. You understand that we only provide you
with matches for dating services and you shall abide by their respective applicable Terms of Service.
You agree to take all necessary precautions in all interactions with other members of the dating service
that you choose, particularly if you decide to meet offline or in person. In addition, you agree to review
the applicable dating "Safety Tips," of the service provider you choose. You understand that the dating
service that you choose may not in any way screen its members, nor will they inquire into the
backgrounds of its members. findingadegree.com makes no guarantees, express or implied, as to the
conduct of the dating services members’ or your ultimate compatibility with the dating services members.
You are solely responsible for, and assume all liability regarding, (i) the information and content you
contribute to the dating service; (ii) the information and content you post, transmit, publish, or otherwise
make available through the dating services websites; and (iii) your interactions with other registered
users through the dating services.
In using the Service, 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 system to 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; (x) bypass the measures we may use to prevent or
restrict access to the Service; or (xi) use the Service for commercial or advertising purposes.
Copyright, Trademark and Service Mark Notice Information.
When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual
property rights of others. Your use of the Service and the Site is at all times governed by and subject to
laws regarding copyright ownership and use of intellectual property. You agree not to upload, download,
display, perform, transmit, or otherwise distribute any information or content (collectively, "Content")
in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights.
You agree to abide by laws regarding copyright ownership and use of intellectual property, and you
shall be solely responsible for any violations of any relevant laws and for any infringements of third party
rights caused by any Content you provide or transmit, or that is provided or transmitted using your User
ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.
Links to Other Web Sites.
findingadegree.com, through our Websites, Service or otherwise, may provide links to third parties’
websites. findingadegree.com does not endorse, has no control over, and is not responsible in any
manner for the terms, conditions, fulfillment or performance of such third parties’ advertisements or
offers, the collection of information from you by any such third parties, the use of your information by
any such third parties, or the use, operation or availability of websites owned or operated by, or on
behalf of, any such third parties.
You acknowledge and agree that findingadegree.com 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 findingadegree.com will 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
YOU AGREE TO INDEMNIFY findingadegree.com, INCLUDING findingadegree.com’S PARTNERS,
OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES,
SUCCESSORS, ADVERTISERS, AND THIRD PARTY SERVICE PROVIDERS (COLLECTIVELY,
"findingadegree.com PARTIES"), AND HOLD THEM EACH HARMLESS FROM ANY AND ALL CLAIMS
OR DEMANDS, INCLUDING REASONABLE ATTORNEY’S FEES AND COSTS, MADE BY ANY THIRD
PARTY DUE TO OR ARISING FROM YOUR USE OF THE SERVICE, YOUR VIOLATION OF THESE
TERMS AND CONDITIONS OR YOUR VIOLATION OF ANY RIGHTS OF A THIRD PARTY.
Limitation of Liability.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: findingadegree.com DISCLAIMS ALL WARRANTIES.
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS"
AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, findingadegree.com,
INCLUDING findingadegree.com PARTIES, EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
findingadegree.com, INCLUDING findingadegree.com PARTIES, MAKES NO WARRANTY THAT (a) THE
SERVICE WILL MEET YOUR REQUIREMENTS; (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY,
SECURE OR ERROR–FREE; (c) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE
SERVICE WILL BE ACCURATE OR RELIABLE; OR (d) THE RESULTS THAT MAY BE OBTAINED FROM
THE USE OF THE SERVICE WILL MEET YOUR EXPECTATIONS OR NEEDS.
findingadegree.com, INCLUDING findingadegree.com PARTIES, MAKES NO WARRANTY REGARDING
ANY CONTENT, GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE OR
ANY TRANSACTIONS ENTERED INTO AS A RESULT OF YOUR USE OF THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU UNDERSTAND AND AGREE THAT
findingadegree.com, INCLUDING findingadegree.com PARTIES, WILL NOT BE LIABLE FOR DAMAGES
OF ANY KIND INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR
EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS’ FEES,
EXPENSES, AND COURT COSTS) RESULTING FROM THE USE OR INABILITY TO USE THE SERVICE
OR FOR COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS AND SERVICES OR RESULTING
FROM ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR
TRANSACTIONS ENTERED INTO THROUGH THE SERVICE OR RESULTING FROM UNAUTHROIZED
ACCESSS TO OR ALTERATION OF YOUR TRANSMISSION OR DATA OR RELIANCE UPON ANY WEB
SITE LINKED TO FROM THE SERVICE, EVEN IF findingadegree.com, INCLUDING findingadegree.com
PARTIES, HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. THIS LIMITATION
SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT,
TORT OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. SOME STATES DO NOT ALLOW THE
EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE
LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU; FOR THESE JURISDICTIONS, THE
AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED
BY APPLICABLE LAW
Release. YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE findingadegree.com
AND findingadegree.com PARTIES 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,
LIABILITIES, 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.
findingadegree.com may provide you with notices, including those regarding changes to the Terms of
Service, either by email, regular mail, or postings on the Service. All notices to findingadegree.com
must be made in writing and mailed to:
You agree that findingadegree.com may, under certain circumstances and without prior notice,
immediately terminate your access to the Website or Service. Cause for such termination may include,
but not be limited to: (i) breaches or violations of the Terms of Service or other incorporated agreements
or material modification to the Service (or any part thereof); and (iv) unexpected technical or security
issues or problems. You agree that all terminations will be made in findingadegree.com’s sole
discretion and that findingadegree.com will not be liable to you or any third party for any termination
or access to the Website or Service.
Modification to Service.
findingadegree.com may, in its sole discretion and without prior notice, (a) revise these Terms of
Use; (b) modify the Site and/or the Service; and (c) discontinue the Site and/or Service at any time.
findingadegree.com shall post any revision to these Terms of Service to the Site, and the revision
online policies posted on the Site periodically to be aware of any revisions. You agree that, by
continuing to use or access the Site following notice of any revision, you shall abide by any
Governing law and Other Terms.
Mandatory Arbitration. You understand and agree that all claims, disputes, or controversies between
you and findingadegree.com, including findingadegree.com Parties, including but not limited to tort
and contract claims, claims based upon any federal, state, or local statute, law, order, ordinance, or
regulation, and the issue of arbitration, shall be resolved by final and binding arbitration using the
American Arbitration Association’s (AAA) Commercial Arbitration Rules (AAA Rules) in effect on the
date of initiation of the arbitration, except as to those AAA Rules that conflict with or differ from this
Terms of Service, by one or more arbitrators appointed in accordance with the said rules at a location
within San Francisco County, California. Any controversy concerning whether a dispute is arbitral
shall be determined by the arbitrator(s) and not by the court. Judgment upon any award rendered by
the arbitrator(s) may be entered by any state or federal court having jurisdiction thereof. Neither you
nor findingadegree.com shall be entitled to join or consolidate claims in arbitration by or against other
consumers or arbitrate any claim as a representative or member of a class or in a private attorney
general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.
California Law and Jurisdiction.
All disputes arising out of or related to the use of the Site or Service, as permitted following the Mandatory
Arbitration described above, shall be brought in the state or federal courts located in the Northern District of
California, and you hereby irrevocably consent to the exclusive jurisdiction and venue thereof. This Agreement
will be construed in accordance with the laws of the State of California without regard to its conflict of
law principles. If the law of your residence prohibits or limits your participation in the Service, then you
are responsible for complying with such laws and you agree to indemnify findingadegree.com, including
findingadegree.com’s partners, officers, directors, agents, employees, subsidiaries, affiliates, parents,
successors, and their suppliers, against any breach or violation.
If any part of these Terms and Conditions is held to be unenforceable, the unenforceable part shall be
given effect to the greatest extent possible and the remainder will remain in full force and effect. These
Terms and Conditions are personal to you and you may not transfer, delegate or assign these Terms
and Conditions to anyone.
Any attempt by you to assign or delegate these Terms and Conditions shall be null and void.
findingadegree.com may assign these Terms and Conditions at its sole discretion.
No Third Party Beneficiaries.
You agree that, except as otherwise expressly provided in these Terms of Service, there shall be no
third–party beneficiaries to these Terms of Service.
No failure of either party to exercise or enforce any of its rights under these Terms and Conditions will act
as a waiver of such rights.
Entire Terms of Service.
may post on this Service constitute the entire Terms of Service between you and findingadegree.com in
connection with the Service and supersede all prior agreements between the parties regarding the
subject matter contained herein.
If you have questions, please contact us @ FindingADegree™,
182 Howard Street #509, San Francisco, CA 94105 OR email us @ firstname.lastname@example.org.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.