Terms & Privace

ReadyPrice Terms of Use & Privacy Policy

ReadyPrice works to protect the security of your information during transmission by using 128-bit, Secure Socket Layer (SSL) software, which encrypts the information you input when you are signed into the system. We offer storage of some critical information online, such as credit card number, which can be encrypted and stored in the database. It is important for you to protect against unauthorized access to your password and to your computer, as you are charged based on usage of your account and any damaging or illegal activity would be traced to your account. Be sure to sign off when finished using a shared computer as neglecting to do so could result in someone else using your account to place an unauthorized order or other unwanted activities. When customer data is collected it is transferred from the client using Secure Sockets Layers (SSL). SSL is a method which provides secure communications on the internet. Customer data gathered during the registration process is stored in a secure, password-protected database. Additionally, sensitive customer data such as credit card information is stored encrypted. The encryption technique used for storage is a 256 bit Advanced Encryption Standard (AES). 

Privacy
ReadyPrice is committed to protecting our customers. We restrict usage of the website to appropriately licensed mortgage professionals, and do not offer anyone access to highly critical user information, such as credit card numbers. ReadyPrice may at any time collect and resell customer information, such as company addresses, contact, email, and phone to third parties or provide third parties with this information in order to help facilitate transactions. In addition, ReadyPrice may collect and resell rating and feedback information provided by users about other companies, and other general data such as (but not limited to) search results. ReadyPrice reserves the right to use identifiable customer information when gaining access to prospective customer’s credit and reference history so as to make a decision in order to gain authorization for the customer or to restrict future access. ReadyPrice reserves the right to publicly use any comments made during communications, such as praising our service or other comments via email or forum. ReadyPrice does not retain or sell to any third party critical individual information of a prospective borrower such as the borrower’s name, email address, physical address, phone number, or social security number. 

Electronic Communications
When you visit ReadyPrice.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications in return from us electronically. We will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. 

Cookies
Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and to provide features designed to enhance your shopping experience. The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, we recommend that you leave them turned on to take full advantage of this Site’s features. Cookies allow ReadyPrice to be customized to fit each customer’s needs as well as assist in tracking data. Cookies may be used to identify who is performing a loan search and thereby help third parties recognize your needs. They also may be used to customize your search options, track past searches, and perform other account functionalities. 

Accessible Account Information
ReadyPrice gives you access to a broad range of information about your account and your interactions with ReadyPrice for the limited purpose of viewing and, in certain cases, updating that information. ReadyPrice may allow you to adjust a billing location, which may require additional confirmation. You may be allowed to view your order and search history, for historical and research purposes. Examples of information you can access easily at ReadyPrice include up-to-date information regarding recent orders, personally identifiable information (including name, e-mail, password, communications preferences), modifying access privileges on manager accounts, and email notification settings which you can update. 

Information You Give Us
You provide ReadyPrice information when you search, buy, post, or communicate with customer service via e-mail or phone. For example, you provide corporate information when opening an account, participating in our Forum, comment on or rate other businesses, send us messages via email, etc. As a result of those actions, you might supply us with such information including, but not limited to, your name, address, phone numbers, credit card information, information about your customers, including addresses, email and phone number; personal descriptions, and financial information. Also, ReadyPrice collects rating data, such as feedback comments in order to help build a rating profile of other businesses that are involved with ReadyPrice. 

Automatic Information
Examples of the information we collect and analyze include the Internet protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; search data; computer and connection information such as browser type and version, operating system, and platform; cookie number; products you viewed or searched for; During some visits we may use software tools such as JavaScript to measure and collect session information, including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page. 

Information from Other Sources
Examples of information we receive from other sources include updated address information from our carriers or other third parties, which we use to correct our records and deliver your next purchase or communication more easily; account information; and credit history information from credit bureaus or the provided corporate references, which we use to help prevent and detect fraud and to offer certain credit or financial services to some customers. ReadyPrice may enlist the services of third parties to assist mortgage professionals in evaluating the businesses that use our site and do business with other customers herein.

ReadyPrice TERMS OF USE AGREEMENT

Recitals
WHEREAS, Mortgage Professional (or "Licensee", or "you") is a single-user licensee and desires to become an authorized user of the ReadyPrice Web Site (the "Site," as later supplemented, modified, approved or replaced) for the purpose of facilitating its sale of mortgage loan products and other mortgage related products and services offered by mortgage lenders, or for purposes of research;

WHEREAS, the parties desire to supplement any other agreements currently in effect between the parties through the terms of this Terms of Use Agreement (the "Agreement") with regard to the use of the Site and all information contained therein;

NOW, THEREFORE, in consideration of your use of the Site, and other good and valuable consideration, the receipt and sufficiency of which you hereby acknowledge, you hereby agree as a user or visitor of the Site as follows.

Conditions
Use of the Site is intended for use by appropriately licensed mortgage professionals only. Use of the Site by any other party is strictly prohibited without explicit consent from ReadyPrice. ReadyPrice attempts to evaluate the underwriting guidelines and rate sheets of individual mortgage lenders for use by mortgage professionals to aid in their loan research process. ReadyPrice makes no guarantees as to the accuracy of its interpretation of these underwriting guidelines or rates, and cannot assure the integrity of any lender contained on our system.

Individual brokers and Lender Reps using our system may be subject to scrutiny from other mortgage professionals. Mortgage professionals are given the opportunity to leave feedback on other mortgage professionals, so as to help the entire community evaluate the performance of its members. Mortgage professionals will also have access to a public forum, where they can leave additional feedback. ReadyPrice is not responsible for any comments made or reputation damaged by feedback or forum.

THE INFORMATION AND MATERIALS IN THIS SITE ARE PROVIDED FOR YOUR REVIEW IN ACCORDANCE WITH THE NOTICES, TERMS AND CONDITIONS SET FORTH HEREIN. THESE MATERIALS DO NOT NECESSARILY REFLECT THE OPINIONS OF READYPRICE. THESE MATERIALS ARE NOT GUARANTEED OR REPRESENTED TO BE COMPLETE, CORRECT OR UP-TO-DATE. YOU MAY NOT ACT OR RELY ON ANY INFORMATION OR MATERIALS IN THIS SITE. THESE MATERIALS MAY BE CHANGED FROM TIME TO TIME WITHOUT NOTICE.

READYPRICE MAKES NO REPRESENTATION ABOUT THE SUITABILITY OF THE MATERIALS ON THIS SITE FOR ANY PURPOSE. ALL SUCH MATERIALS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. READYPRICE SPECIFICALLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND -NON-INFRINGEMENT. READYPRICE MAKES NO GUARANTEE ON PRICING AND/OR LOAN GUIDELINES AND SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THIS SITE, FOR YOUR ACTION OR INACTION IN CONNECTION WITH THIS SITE OR FOR ANY DAMAGE TO YOUR COMPUTER OR DATA OR ANY OTHER DAMAGE YOU MAY INCUR IN CONNECTION WITH THIS SITE. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL EITHER READYPRICE, ITS DIRECTORS, OFFICERS, AFFILIATES OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE, THE MATERIALS IN THIS SITE, THE DELAY OR INABILITY TO USE THIS SITE OR OTHERWISE ARISING IN CONNECTION WITH THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF READYPRICE IS ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. SOME STATES AND/OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Copyrights
This Site and the materials within it are © 2009 ReadyPrice, Inc. Viewing this Site creates a copy of ReadyPrice materials in your computer's random access memory and/or in your hard drive and/or in your proxy server.

Payment
By clicking "ACCEPT", Licensee indicates that s/he has read and understood, and agrees to be bound by, the terms of this Agreement. If the person clicking the "ACCEPT" button is an individual working for Licensee ("Agent"), such person is agreeing to the terms and conditions of this Agreement on behalf of Licensee and certifies that he/she is an Agent of Licensee and has all necessary authority to act on Licensee's behalf, including to bind Licensee to the terms and conditions of this Agreement.

If Licensee does not agree to the terms of the Agreement, Licensee is not granted any rights whatsoever in the Software. If Licensee is not willing to be bound by these terms and conditions, Licensee should not click on the "ACCEPT" button, and may not access or otherwise use the Software or Services

The Software is licensed on a monthly or yearly subscription basis, as selected by Licensee or its agent. Access to the Software will begin (i) after your acceptance of this Agreement and after ReadyPrice receives and processes all the information, including the credit card or bank account information requested by the start-up interview form. Licensee or its agent completing the start-up interview form must have a valid credit card or a valid debit card with a Visa or MasterCard logo ("Card") or sufficient funds in a U.S. checking or savings account to cover an electronic debit of the subscription fee to obtain access to the Software. The payment information Licensee or its agent provides must be accurate and complete, and Licensee agrees to notify us promptly of any change in the payment information. When Licensee subscribes and provides payment information, Licensee's or its Agent's (as applicable) Card or bank account will be debited, and will be automatically re-debited at the beginning of each applicable monthly or one-year subscription term ("Renewal Term") at the then-current subscription rate to maintain access to the Software.

Licensee may notify ReadyPrice to cancel the subscription prior to the beginning of each Renewal Term. Pro-rated amounts are not issued for the current month of a discontinued service. Licensee's rights to use the Software may be terminated by ReadyPrice immediately and without notice if ReadyPrice is unable to debit Licensee's or its agent's Card in accordance with this Agreement.

Termination
Licensee must notify ReadyPrice by email at billing@ReadyPrice.com to cancel the subscription prior to the beginning of the Renewal Term. Pro-rated amounts are not issued for the current month of a discontinued service. Licensee's rights to use the Software may be terminated by ReadyPrice immediately and without notice if ReadyPrice is unable to debit Licensee's or its agent's Card in accordance with this Agreement. 

Use License
ReadyPrice, Inc. ("ReadyPrice") grants you a single-user license and permission to view this Site and to print individual pages from this Site for your own use, provided that you agree to and accept without modification the notices, terms and conditions set forth in this Agreement. Because the price is based on the number of times you use the product, a password shall not be used by or shared with any other individual or entity. A $0.25 charge will be levied for each search exceeding 350 searches per month. You may not modify, copy (except as set forth in the preceding sentence), distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, material, software, products or services from this Site without the express consent of ReadyPrice.

Your use of this Site constitutes your agreement and acceptance without modification of the notices, terms and conditions set forth herein. In addition, as a condition of your use of this Site, you represent and warrant to ReadyPrice that you will not use this Site for any purpose that is unlawful, immoral or prohibited by these terms, conditions and notices. If you do not agree and accept without modification the notices, terms and conditions set forth herein, do not use this Site. Other than this agreement and written agreements between you and ReadyPrice relating to the sale of products or services to you through this Site, ReadyPrice will not enter into any agreement with you or obligation to you through this Site and no attempt to create such an agreement or obligation will be effective.

This Site may contain links to Sites owned or operated by parties other than ReadyPrice. Such links are provided for your reference only. ReadyPrice does not control outside Sites and is not responsible for their content. ReadyPrice's inclusion of links to an outside Site does not imply any endorsement of the material on the Site or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor, nor does ReadyPrice's inclusion of the links imply that ReadyPrice is authorized to use any trade name, trademark, logo, legal or official seal or copyrighted symbol that may be reflected in the linked Site.

Contacting Us
If you have any questions about this Agreement, please call us at 888-853-0788, log on to www.ReadyPrice.com/contactus, or write us at:

ReadyPrice, Inc.:
5671 Santa Teresa Blvd., Suite 200
San Jose, CA 95123

Although ReadyPrice will in most circumstances be able to receive your e-mail or other information provided through this Site (including, without limitation, service requests and other submissions), ReadyPrice does not guarantee that it will receive all such e-mail or other information timely and accurately and shall not be legally obligated to read, act on or respond to any such e-mail or other information. Be aware that Internet e-mail typically is not secure.

General
You agree that this Agreement and your use of this Site are governed by the laws of the State of California, USA. You hereby consent to the exclusive jurisdiction and venue of the courts, tribunals, agencies and other dispute resolution organizations in San Jose, CA, USA in all disputes (a) arising out of, relating to, or concerning this Site and/or this Agreement, (b) in which this Site and/or this Agreement is an issue or a material fact, or (c) in which this Site and/or this Agreement is referenced in a paper filed in a court, tribunal, agency or other dispute resolution organization. Use of this Site is unauthorized in any jurisdiction that does not give full effect to all provisions of this Agreement, including without limitation this paragraph and the warranty disclaimers and liability exclusions above. ReadyPrice has endeavored to comply with all legal requirements known to it in creating and maintaining this Site, but makes no representation that materials on this Site are appropriate or available for use in any particular jurisdiction. Use of this Site is unauthorized in any jurisdiction where all or any portion of this Site may violate any legal requirements and you agree not to access this Site in any such jurisdiction. You are responsible for compliance with applicable laws. Any use in contravention of this provision or any provision of this Agreement is at your own risk and, if any part of this Agreement is invalid or unenforceable under applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall govern such use.

With the prior agreement of ReadyPrice, any claim, dispute or controversy arising out of, relating to or concerning this Site and/or this Agreement shall be decided by binding arbitration in accordance with the Rules of the American Arbitration Association and any such arbitration proceedings shall be brought and held in San Jose, CA USA. The decisions of the arbitrators shall be binding and conclusive upon all parties involved and judgment upon any award of the arbitrators may be entered by any court having competent jurisdiction. This provision shall be specifically enforceable in any court of competent jurisdiction.

You agree that ReadyPrice may at any time and without notice change the terms, conditions and notices under which this Site is offered.

You agree that no joint venture, partnership, employment or agency relationship exists between you and ReadyPrice as a result of this Agreement or your use of this Site.

ReadyPrice's performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of ReadyPrice's right to comply with law enforcement requests or requirements relating to your use of this Site or information provided to or gathered by ReadyPrice with respect to such use.

This Terms of Use agreement, in addition to the Privacy and Security Statement constitute the entire agreement between you and ReadyPrice with respect to this Site. This Agreement supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and ReadyPrice with respect to this Site. No modification of this Agreement shall be effective unless it is authored by ReadyPrice, unless it is physically signed in blue ink by a ReadyPrice officer. Any alleged waiver of any breach of this Agreement shall not be deemed to be a waiver of any future breach. A printed version of this Agreement and/or of any notice given by ReadyPrice in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement or your use of this Site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained by ReadyPrice in printed form.