Disclaimer

General Disclaimer

The information provided on My Rate Chart ("the Website") is for general informational purposes only. While we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose.

Any reliance you place on such information is therefore strictly at your own risk.

Financial Information Disclaimer

NOT FINANCIAL ADVICE: The mortgage rates, calculations, and financial information provided on this website are for informational and educational purposes only. This information should not be construed as financial advice, investment advice, or any other type of professional advice.

CONSULT PROFESSIONALS: Before making any financial decisions, including but not limited to mortgage applications, refinancing, or other financial transactions, we strongly recommend that you:

• Consult with a qualified mortgage professional or financial advisor
• Review your personal financial situation thoroughly
• Consider all available options and alternatives
• Understand the terms and conditions of any financial products
• Verify current rates and terms with lenders directly

INDIVIDUAL CIRCUMSTANCES: Mortgage rates and terms vary based on individual circumstances, including but not limited to credit score, income, debt-to-income ratio, down payment, property type, and location. The rates displayed on our website are general market rates and may not reflect the rates available to you.

Data Accuracy Disclaimer

RATE ACCURACY: While we make every effort to provide accurate and up-to-date mortgage rate information, we cannot guarantee the accuracy, completeness, or timeliness of the rates displayed. Mortgage rates change frequently and may vary significantly between lenders and regions.

DATA SOURCES: Our rate information is sourced from various third-party providers, including but not limited to:

• Federal Reserve Economic Data (FRED)
• Bankrate and other financial data providers
• Freddie Mac and Fannie Mae
• Various mortgage lenders and financial institutions

VERIFICATION: We recommend that you verify all rate information with lenders directly before making any financial decisions. Rates may be subject to change without notice and may not be available to all borrowers.

Calculator Disclaimer

ESTIMATES ONLY: The mortgage calculators and payment estimators provided on this website generate estimates only. These calculations are based on the information you provide and current market assumptions.

ACTUAL PAYMENTS MAY DIFFER: Actual mortgage payments may differ from calculator estimates due to various factors, including but not limited to:

• Lender-specific fees and charges
• Property taxes and insurance costs
• Private mortgage insurance (PMI) requirements
• Closing costs and other transaction fees
• Rate lock periods and market fluctuations
• Credit score and qualification requirements

NO GUARANTEE: Calculator results do not guarantee loan approval, specific rates, or payment amounts. All calculations should be verified with your chosen lender.

Third-Party Content Disclaimer

EXTERNAL LINKS: Our website may contain links to third-party websites, services, or resources. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

USER DISCRETION: You acknowledge and agree that we 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 the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Limitation of Liability

In no event shall My Rate Chart, its officers, directors, employees, agents, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Business interruption
• Financial losses or damages
• Errors or omissions in information
• Delays in information updates
• Technical issues or website downtime

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if My Rate Chart has been advised of the possibility of such damage.

No Warranties

This website is provided "as is" without any representations or warranties, express or implied. My Rate Chart makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, My Rate Chart does not warrant that this website will be constantly available, or available at all, or that the information on this website is complete, true, accurate, or non-misleading.

Regulatory Compliance

NOT A LENDER: My Rate Chart is not a mortgage lender, broker, or financial institution. We do not originate, underwrite, or fund mortgage loans. We provide informational services only.

REGULATORY NOTICES: This website may be subject to various federal and state regulations regarding financial information and advertising. We strive to comply with all applicable laws and regulations, but make no representations regarding regulatory compliance in all jurisdictions.

Changes to Disclaimer

We reserve the right to modify or update this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this website. Your continued use of the website after any changes constitutes acceptance of the updated disclaimer.

Contact Information

If you have any questions about this disclaimer or our services, please contact us: