Terms of Use

Subprimebankrate operates the www.subprimebankrate.com website ("Site") to provide online access to information regarding our products and services.

By utilizing Site, you agree to the terms and conditions set forth herein ("Terms of Use"). If you do not agree with the Terms of Use, any and all access and use of Site is prohibited. By accessing the Site, you explicity express your agreement and understanding of the Terms of Use and are bound by this Agreement. Do not use the Site if you are unwilling to be bound by this Agreement.

The Site reserves the right at all times to modify the Terms of Use at our discretion without giving prior notice. By using the Site following any such modification, you agree to Terms of Use and are bound to this Agreement as modified.

Intellectual Property

Site is to be used for personal, non-commercial use only. You agree to not download, copy, reproduce, display, distribute, transmit, public, or transfer any content, artwork, or information obtained from Site without explicit written permission.


The purchase or sale of goods or services through the Site are transactions governed by the Terms of Use unless specified otherwise. No additional or alternative terms contained in any purchase order, document, or any other communication shall be binding upon Subprimebankrate unless agree in writing.


Site does not guarantee or warrant that files available for downloading or otherwise through Site will be free of infections by software viruses or other harmful computer code, files or programs. The entire risk as to using Site is solely and exclusively with you.

Hypertext links to third party websites do not constitute or imply an endorsement, sponsorship, or recommendation by Site unless expressed specifically otherwise. You agree to not hold Site liable for the availability or use of third party websites or content.


You agree to assume total liability and risk for your use of Site, its content and for evaluating the accuracy, usefulness and completeness of the content provided. Site makes no express or implied warranties, representations, or endorsements with respect to the Site, the service or content. Subprimebankrate explicitly disclaims all and any warranties of any kind, express, implied, statutory, or otherwise, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and no infringement with regard to Site.

Site does not warrant that its use will be uninterrupted, timely, secure or error-free. Nor that defects in the site will be corrected. Site does not warrant the accuracy or completeness of its content, or that any errors will be corrected. Site is provide on an "as is" and "as available" basis.

Limitation of Liability

Site will not be liable for any losses, damage, fees, costs, attorney fees, arising either directly or indirectly from any use or inability to use Site. You understand and agree that under no circumstances will Site be liable for any damages, whatsoever, including but not limited to: (a) any and all direct, incidental, consequential, exemplary or indirect damages arising out of use of or inability to use Site, (b) any claim attributable to errors, omissions, or any and all other inaccuracies in the Site, (c) unauthorized access to or alteration of transmissions or data, (d) statements or conduct of any third party on the Site, (d) any other matter relating to the Site even if you have advised Site of the possibility of such. If you are dissatisfied with Site or these Terms of Use, your sole and exclusive remedy is to discontinue using Site. By using Site, you acknowledge that such use is at your sole risk.

If your state does not allow the exclusion or limitation of liability for consequential or incidental damages, Site's liability is limited and warranties are excluded to the greatest extend permitted by law, but will, in no event, exceed $100 USD.


You agree and understand that you are personally responsible for your use and behavior on Site. You agree to indemnify, defend and hold harmless Subprimebankrate, its affiliates, licensor's, employees and agents from and against all claims, losses, expenses, damages, and costs including but not limited to, direct, incidental, consequential, exemplary, and indirect damages, and reasonable attorney fees, resulting from or arising out of your use, misuse, or inability to use the Site, or any violation by you of this Agreement.

User Conduct

You agree to not take any action that may compromise the security or reliability of Site, render it inaccessible to otherwise or otherwise cause damage to the Site. You agree to not modify the content or use Site in any manner that might interfere with the rights of third parties.

User Supplied Information

If you supply any information or material to Site, you agree that you have the legal right to supply, post, or store such information or material and that doing so will not violate any law or the rights of any person or entity.

General Provisions

The content may contain typographical or other errors or inaccuracies that may not be complete or current. Site therefore reserves the right to correct any errors, inaccuracies, or omissions and to change or update content at any time without prior notice. Site does not guarantee that such errors will be corrected.

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal or otherwise unenforceable, such provision will be deemed severed from this Agreement, and all other provisions will remain in full force and effect to the greatest extent possible.

Any and all disputes relating to these Terms of Use or Site are governed by, and will be interpreted in accordance with, the laws of the State of Massachusetts, without regard to any conflict of law's provisions. You irrevocably submit to the personal jurisdiction of such courts for the purpose of disputes.

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