Terms of use

Effective and last updated: August 7, 2026. By using this site, you agree to these terms. If you do not agree, please do not use it.

1. General information only

The site offers general educational information. It does not provide personal financial, legal, tax, insurance, credit, housing, medical, or benefits advice. Using the site does not create a professional, fiduciary, client, agency, or government relationship.

2. No decisions or promises

My Rate Pal is not a lender, bank, mortgage broker, insurer, insurance producer, credit repair company, or financial adviser. We do not accept applications, make eligibility or approval decisions, issue policies or loans, quote binding rates, settle claims, or guarantee savings or outcomes. Rules, limits, rates, availability, and forms can change and may differ by state and household.

3. Your job when using a guide

Check current facts with the responsible agency, regulator, licensed professional, lender, bank, insurer, or provider before you act. Do not delay emergency, legal, medical, housing, or financial help because of something on this site.

4. Outside links

Links are provided for convenience. We do not control outside content, availability, privacy, security, eligibility decisions, products, or services. A link is not an endorsement.

5. Acceptable use

You may use the site for personal, lawful, non-commercial reading. Do not interfere with the site, test it for vulnerabilities without written permission, scrape it in a way that burdens service, misrepresent our content, or use it to harm another person.

6. Ownership

Unless stated otherwise, the site’s original text, design, code, and editorial images are owned by Oathill Media and protected by law. You may print a guide for personal use and link to our public pages. Other copying, republishing, sale, or adaptation requires written permission.

7. No warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM WARRANTIES OF ACCURACY, COMPLETENESS, AVAILABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limits on liability

TO THE FULLEST EXTENT ALLOWED BY LAW, OATHILL MEDIA AND ITS PEOPLE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST MONEY, DATA, OPPORTUNITY, OR BENEFITS, ARISING FROM USE OF THE SITE. OUR TOTAL LIABILITY FOR A CLAIM CONNECTED TO THE SITE WILL NOT EXCEED $100. SOME PLACES DO NOT ALLOW EVERY LIMIT, SO THE LIMITS APPLY ONLY AS FAR AS LAW ALLOWS.

9. Changes and governing law

We may update the site and these terms. New York law governs these terms without regard to conflict-of-law rules. Courts located in New York County, New York will have exclusive jurisdiction where the law allows.

10. Contact

Questions: support@myratepal.com.