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Welcome to grarate.com. Guaranteed Rate Affinity, LLC. (“GRA”) provides the use of this website subject to the following terms and conditions, known as “Terms of Use.” Clicking onto webpages beyond the site’s homepage indicates your acceptance and agreement of these Terms of Use. Please read them carefully.

Privacy

Please review our privacy policy, which also governs your use/visit to this website.

Electronic Communications

When you visit grarate.com or send emails to us, you are communicating with GRA electronically and you consent to receive communications from GRA electronically. We will communicate with you by email 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.

Trademarks

GRA’s trademarks and trade dress may only be used with the express written consent of GRA and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits GRA. All other trademarks not owned by GRA or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by GRA or its subsidiaries.

License and site access

GRA grants you a limited license to access and make personal use of this site and not to download (other than page caching) or to modify any portion of it, except with express written consent of GRA. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of GRA. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of GRA or our subsidiaries without express written consent. You may not use any meta tags or any other "hidden text" utilizing GRA’s name or trademarks without the express written consent of GRA. Any unauthorized use shall automatically terminate any permission or license granted herein by GRA. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of GRA so long as the link does not portray GRA, its subsidiaries or affiliates or their products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any GRA logo or other proprietary graphic or trademark as part of the link without express written permission.

Your membership account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. GRA and its subsidiaries and affiliates reserve the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion.

Reviews, comments, emails and other content

Visitors may post reviews, comments and other content, and submit suggestions, ideas, comments, questions or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false email address, impersonate any person or entity or otherwise mislead as to the origin of a post, comment or other content. GRA reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise in writing, you grant GRA and its subsidiaries and affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content throughout the world in any media. You grant GRA and its subsidiaries and affiliates and sublicenses the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify GRA and/or its subsidiaries, affiliates, officers, employees, agents and successors and assigns for any and all claims resulting from content you supply. GRA has the right but not the obligation to monitor and edit or remove any activity or content. GRA takes no responsibility and assumes no liability for any content posted by you or any third party.

Product and service descriptions

GRA and its subsidiaries and affiliates attempt to be as accurate as possible. However, the information contained in this website is for general information purposes only and GRA does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.

Applicable law

By visiting grarate.com, you agree that the laws of the State of Illinois, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and GRA and/or its subsidiaries and affiliates. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Cook County, Illinois, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Site policies, modification and severability

GRA reserves the right to make changes to our site, policies and these Terms of Use at any time and in its sole discretion without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear at the time you access this website. If any of these conditions shall be deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Questions

Questions regarding our Terms of Use, Privacy Policy or other policy related material can be directed to our support staff by emailing us at customercare@grarate.com