Terms of Service

Last Updated: January 2026

1. Acceptance of Terms

By accessing or using Ratevance ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Ratevance provides APR estimation tools and loan comparison features to help users evaluate loan offers. The Service includes:

  • APR calculators based on market data
  • Bank offer comparison tools
  • Educational loan information

3. Disclaimer of Financial Advice

Important: Ratevance is an informational tool only. We are not financial advisors, lenders, or credit bureaus. Our APR estimates are based on general market data and your self-reported information. Actual rates offered by lenders may vary significantly.

You should:

  • Not rely solely on our estimates for financial decisions
  • Consult with qualified financial professionals when needed
  • Shop around and compare actual offers from multiple lenders
  • Understand that our estimates are approximations, not guarantees

4. User Responsibilities

When using Ratevance, you agree to:

  • Provide accurate information for calculations
  • Use the Service for personal, non-commercial purposes
  • Not attempt to reverse engineer or exploit the Service
  • Not use the Service for any unlawful purpose

5. Pricing

Ratevance is currently free to use with no limits on comparisons. No account is required. We may introduce optional paid features in the future.

7. Accuracy of Information

While we strive to provide accurate APR estimates based on current market data, we make no guarantees regarding the accuracy, completeness, or reliability of any calculations or information provided through the Service.

8. Limitation of Liability

To the fullest extent permitted by law, Ratevance and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service, including but not limited to financial losses from loan decisions made based on our estimates.

9. Changes to Service

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also update these Terms of Service periodically. Continued use of the Service after changes constitutes acceptance of the new terms.

10. Intellectual Property

All content, features, and functionality of the Service are owned by Ratevance and protected by copyright, trademark, and other intellectual property laws.

11. Termination

We reserve the right to terminate or suspend access to the Service for users who violate these Terms of Service or engage in fraudulent or abusive behavior.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Contact

For questions about these Terms of Service, contact us at collins@ratevance.com.