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Privacy Policy & Terms of Use Agreement

Privacy Policy for RateCatcher

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at ratehelp@ratecatcher.com .

At RateCatcher.com we consider the privacy of our visitors to be extremely important. This privacy policy document describes in detail the types of personal information is collected and recorded by RateCatcher.com and how we use it.

Earnings Disclaimer
RateCatcher may be compensated if visitors choose to click and/or apply for an account using links on RateCatcher.com to any type of company/website/third party including links to offers for credit cards, savings accounts,certificates of deposit, mortgages etc.

Third Party Links
RateCatcher’s site may contain links to other sites belonging to RateCatcher’s advertisers, business partners,  affiliates,  Service  Providers  and  other  third  parties.    Such  links  do  not  constitute  an endorsement  by  RateCatcher  of  those sites,  nor  the  products  or  services  listed  on  those sites. RateCatcher is not responsible for the activities or policies of those websites.  RateCatcher does not endorse or recommend  the  products  of  any  particular  advertiser,  business  partner,  affiliate  or  other  third  party.  RateCatcher  does  not  guarantee  that  the  terms  or  rates  offered  by  any  particular  advertiser,  business partner,  affiliate,  Service  Provider  or  other  third  party  on  the  Site  are  the  best  terms  or  lowest  rates available in the market.

Log Files
Like many other Web sites, RateCatcher.com makes use of log files. These files log visitors to the site. The information inside the log files includes date/time stamp,browser type, internet protocol (IP) addresses, Internet Service Provider (ISP), referring/exit pages, and the number of clicks and more. This data is used to analyze trends, track user’s movement around the site, administer the site, and gather demographic information. IP addresses, and other such information are not connected to any data that is personally identifiable.

Cookies and Web Beacons
RateCatcher.com uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie

Google,(a third party vendor), uses cookies to serve ads on RateCatcher.com.

Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to RateCatcher.com and other sites on the Internet.

Users can opt out of being tracked by the DART cookie by going to the Google ad and content network privacy policy at the following URL –

http://www.google.com/privacy_ads.html

Our Advertising Partners

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include:

  • Google
  • Commission Junction
  • Amazon
  • Adbrite
  • Chitika

While each of these advertising partners has their own Privacy Policy for their site, an updated and hyperlinked resource is maintained here: Privacy Policies.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on RateCatcher.com and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site’s third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

RateCatcher.com has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. RateCatcher.com‘s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites. You may find a comprehensive listing of these privacy policies and their links here: Privacy Policy Links.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.
RateCatcher.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that RateCatcher.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.

Online Privacy Policy Only
This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there.
This policy does not apply to any information collected offline or via channels other than this website.

Consent
By using our website, you hereby consent to our privacy policy and agree to its terms.

Limitations on RateCatcher’s Liability
RateCatcher shall in no event be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of: (i) your breach or violation of the terms and conditions of this Agreement; (ii) your access and use of The Site; (iii) your DELAY IN ACCESSING OR inability to access or use The Site for any reason; (iv) your downloading of any of the Content or the Collective Work for your use; (v) your reliance upon or use of the Content or the Collective Work, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH The Site, OR OTHERWISE ARISING OUT OF THE USE OF The Site, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF RateCatcher AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.  RateCatcher’S LIABILITY AND THE LIABILITY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100.

YOU SPECIFICALLY ACKNOWLEDGE THAT RateCatcher SHALL NOT BE LIABLE FOR USER GENERATED CONTENT OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM SUCH USER GENERATED CONTENT AND THIRD-PARTY CONDUCT RESTS ENTIRELY WITH YOU.

YOU AND RateCatcher AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES.  OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages.  If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

Your Indemnification of RateCatcher
You shall defend, indemnify and hold harmless RateCatcher and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by RateCatcher; (iii) your access or use of the Site; (iv) access or use of the Site under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); and/or (vi) any personal injury or property damage caused by you.

Amendments of this Agreement
RateCatcher reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon RateCatcher posting the updated Agreement on the Site.  You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement.  Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

RateCatcher’s Remedies
You acknowledge that RateCatcher may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, RateCatcher shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement.  For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Utah County, Utah, or the United States District Court, Southern District of Utah. You consent to the jurisdiction of such court and waive any objection to the laying of venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.

Governing Law; Arbitration
You agree that: (i) the Site shall be deemed solely based in the State of Utah; and (ii) the Site shall be deemed a passive Web site that does not give rise to personal jurisdiction over RateCatcher, its affiliates and assigns, either specific or general, in jurisdictions other than the State of Utah.

This Agreement is to be governed by and construed in accordance with the internal laws of the State of Utah, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Agreement, except for an injunctive action regarding a breach or threatened breach of any provision of this Agreement by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Utah County, Utah.

THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. By using The Site you consent to these restrictions.

You and RateCatcher shall select the arbitrator, and if you and RateCatcher are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and RateCatcher and your and RateCatcher’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or RateCatcher be entitled to punitive, special, indirect or consequential damages and both you and RateCatcher hereby waive your and RateCatcher’s respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.

Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and RateCatcher, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Utah County, Utah.

Miscellaneous
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.

All covenants, agreements, representations and warranties made in this Agreement, as may be amended by RateCatcher from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement and the Privacy Policy represent the entire understanding and agreement between you and RateCatcher regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

Update
This Privacy Policy was last updated on: January 27, 2012.

Should we update, amend or make any changes to our privacy policy, those changes will be posted here.