Terms of Service

The website located at  www.dropyourrate.net (the “Website”) is a copyrighted work belonging to DropYourRate.net. ("DropYourRate.net "). DropYourRate.net grants you the right to service the Website subject to the terms and conditions set forth below ("Terms of Service"). Please read these terms of service carefully. By accessing the website, you agree to be bound by the terms of service. If you do not wish to be bound by these terms of service, you may not access or service this website.

1. Privacy Policy. Please review the DropYourRate.net privacy policy at  www.dropyourrate.net/privacy-policy.html ("Privacy Policy"). The terms of the Privacy Policy are incorporated into, and considered a part of, these Terms of Service.
2. License. DropYourRate.net owns and operates the Website. The information and content available on the Website, or in any communications DropYourRate.net sends you, (the "Website Content") are protected by copyright laws throughout the world. Any unauthorized reproduction or modification, distribution, or performance of any Website Content is strictly prohibited. DropYourRate.net and its licensors reserve all rights not granted in these Terms of Service.
3. Trademarks. All trademarks, logos and service marks (collectively, "Marks") displayed on the Website are DropYourRate.net's property or the property of other third parties. You are not permitted to service these Marks without DropYourRate.net's prior written consent or the consent of the third party that owns the Marks.
4. Modification. DropYourRate.net reserves the right, at any time, to modify the Website Content or to modify, suspend, or discontinue the Website or any part thereof with or without notice. You agree that DropYourRate.net will not be liable to you or to any third party for any modification of the Website Content or modification, suspension, or discontinuance of the Website.
5. Third Party Links. The Website may contain links to other websites operated by third parties. Such third party websites are not under the control of DropYourRate.net. DropYourRate.net is not responsible for the content of any third party website or any link contained in a third party website. DropYourRate.net provides these links only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to third party websites. If you decide to access any of the third party websites linked to the Website, you do this entirely at your own risk. Third party websites are subject to their own terms and policies, including privacy and data gathering practices.
6. WARRANTY DISCLAIMER. DROPYOURRATE.NET IS PROVIDING THE WEBSITE AND THE WEBSITE CONTENT ON AN "AS IS" BASIS FOR SERVICE AT YOUR OWN RISK. DROPYOURRATE.NET DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NONINFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND QUIET ENJOYMENT. DROPYOURRATE.NET DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE WEBSITE CONTENT OR THE INFORMATION PROVIDED ON THE WEBSITE. INFORMATION AT THIS WEBSITE MAY NOT BE CURRENT AT THE MOMENT YOU VISIT THIS WEBSITE AND MAY CONTAIN ERRORS.
7. LIMITATION OF LIABILITY. IN NO EVENT SHALL DROPYOURRATE.NET BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR THE WEBSITE CONTENT, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RESULTING FROM LOSS OF SERVICE, DATA, OR PROFITS, WHETHER OR NOT DROPYOURRATE.NET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ON ANY THEORY OF LIABILITY. DROPYOURRATE.NET'S TOTAL CUMULATIVE LIABILITY IN CONNECTION WITH THESE TERMS OF SERVICE, THE WEBSITE, OR THE WEBSITE CONTENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED FIFTY DOLLARS ($50).
8. Amendment. These Terms of Service are subject to occasional revision, and if DropYourRate.net makes any substantial changes, DropYourRate.net will notify you by sending you an e-mail to the last e-mail address you provided to DropYourRate.net (if any DropYourRate.net may have in its records) and/or by prominently posting notice of the changes on the Website. Any material changes to these Terms of Service will be effective upon the earlier of thirty (30) calendar days following DropYourRate.net's dispatch of an e-mail notice to you or thirty (30) calendar days following DropYourRate.net's posting of notice of the changes on the Website. These changes will be effective immediately for new servicers of the Website. Continued service of the Website following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. Certain provisions of these Terms of Service may be superseded by expressly designated legal notices or terms located on particular pages of this Website.
9. Dispute Resolution. In the event of a dispute, controversy, or claim arising out of or relating to this Agreement, the parties agree to submit the dispute (other than one filed in small claims court) to binding arbitration under the then current rules of the American Arbitration Association. The parties also agree that you shall not participate in a class action, a class-wide arbitration, claims brought in a representative capacity, or consolidated claims involving this Agreement. The enforceability of this paragraph 9 ("Dispute Resolution") shall be determined under federal law and the Federal Arbitration Act ("FAA").
10. General Provisions. If any provision in these Terms of Service is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms of Service will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. These Terms of Service, with the exception of paragraph 9 (Dispute Resolution), and any action related thereto will be governed, controlled, interpreted, and defined by and under the laws of the State of California, without giving effect to any conflicts of laws principles that require the application of the law of a different state. By using this Website, you hereby expressly consent to the personal jurisdiction and venue in the state and federal courts for Los Angeles County, California for any lawsuit filed there against you by DropYourRate.net arising from or related to these Terms of Service. These Terms of Service (which includes the Privacy Policy and any other legal notices or terms located on particular pages of this Website) constitute the entire agreement between you and DropYourRate.net regarding the service of the Website and Website Content. Notwithstanding the foregoing, these Terms of Service do not supersede or amend (and will not take precedence over) any signed written agreement between you and DropYourRate.net with respect to the subject matter of that signed written agreement, unless otherwise set forth in that signed written agreement. If you have any questions about the foregoing, please contact DropYourRate.net at the following e-mail address: [email protected].
11. Consent to Electronic Communications. When you visit www.dropyourrate.net or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by email or by posting notices on the site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you submit a request to be matched with one of our third party partners, please note that these third party partners are required by law to provide you with certain communications, notices, disclosures, information and other materials ("Communications"). These third party partners must obtain your consent in order to provide you with these Communications electronically. By submitting a request to be matched with one of our third party partners, you affirmatively consent and agree to receive all Communications required under law electronically in accordance with the terms of www.dropyourrate.net

Electronic Communications Consent

PLEASE PRINT AND RETAIN A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS.

You are submitting a request to be matched with one of our third party lenders. To offer and process your loan, these third party lenders are required by law to provide you with certain communications, notices, disclosures, information and other materials ("Communications"). These third party lenders must obtain your consent in order to provide you with these Communications electronically.

1. CONSUMER CONSENT. By submitting your request to be matched with lenders, you affirmatively consent and agree to receive all Communications required under law electronically. These Communications may be delivered to you via email or online at the website of the third party lender. You further affirmatively consent that your electronic signature on agreements and documents has the same effect as if you signed them in ink.
2. SCOPE OF CONSENT. You consents provided in Section 1 to receive Communications and to do business electronically applies to your request to auto.free-insurance-quotes.us to be matched with third party lenders and to those third party lenders. Your consents also apply to all online interactions between you and the third party lenders, including those conducted via mobile devices.
3. WHAT YOU NEED - HARDWARE AND SOFTWARE REQUIREMENTS. In order to access and retain the Communications electronically, you will need the following:
   • Internet access through a browser that includes 128-bit encryption. Recommended browser standards are Microsoft Internet Explorer 8.0 and above, Mozilla Firefox 3.6 and above, Safari 7 or above.
   • Access to an email account
   • Adobe Acrobat Reader 6 or above
   • A printer or the ability to print the Communications
   • Long term storage device (such as your computers disk drive) to retain a copy of the Communications
4. REQUESTING PAPER RECORDS. You may request paper copies at of any Communications at no charge to you by contacting the third party lenders directly. Their contact information can be found on their website.
5. WITHDRAWING YOUR CONSENT. Because your consent may be required in order for some third party lenders to respond to your matching request and return a quote, your consent may not be withdrawn during the matching process. However, if you are matched with one or more third party lenders, you may withdraw your consent to do business electronically directly with those third party lenders.
6. CONTACT INFORMATION. You should keep third party lenders informed of any changes to your contact information. You may update such information by logging into the third party lenders website or by sending the lender a written update by mail.
7. LEGAL EFFECT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.