Agreement Overview
This webpage contains the Terms and Conditions (“Terms of Service”) – or “Terms” – for Rate Fixers. This website is owned and operated by Rate Fixers. These Terms act as a legally binding agreement and apply to all visitors to this website. Rate Fixers reserves the right to update these Terms at any time.
Last Updated: July 1, 2026
Privacy Practices and Applicable Laws
Our Privacy Policy, which is incorporated into these Terms by reference, is available at Privacy Policy. This site serves general audiences in the United States and complies with all applicable privacy legislation, including COPPA at the federal level and state laws such as the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and subsequent state enactments.
Definitions and Interpretations
Unless otherwise stated, the following terms have the meanings set forth below: “Personal Information” or “Personal Data” means information that identifies, could identify, or could reasonably be linked with a specific individual, consistent with applicable privacy law definitions. “Sensitive Personal Information” means, at minimum, Social Security numbers, government-issued IDs, financial account credentials, precise geolocation data, racial or ethnic origin, religious or philosophical beliefs, trade union membership, health or medical data, biometric data used to uniquely identify individuals, sexual orientation or gender identity, immigration status, and private communications content. “Sale” and “Sharing” have the meanings ascribed under applicable state privacy statutes, which may include disclosures for monetary value or for cross-context behavioral advertising.
Content is Free for Users
The materials and content on this website are offered free of charge by Rate Fixers for personal, noncommercial enjoyment. Users are not permitted to use any content for commercial purposes; such use constitutes a violation of these Terms.
Website Mission and Purpose
Rate Fixers exists to deliver free, advertising-supported content to the public. Visitor use of this website is limited to personal, noncommercial browsing and is not intended for commercial activity.
How We Advertise and Communicate
Revenue from advertising supports this website. Rate Fixers and its partners may receive compensation for ad views, clicks, or user responses. Material advertising relationships are disclosed.
Email: Submitting your information may result in receiving promotional emails from Rate Fixers and its advertising partners. To unsubscribe, use the opt-out link in any email; requests will be honored within 10 business days under CAN-SPAM.
SMS: Where you have provided a mobile phone number and consented to SMS, you may receive text communications from Rate Fixers or its partners. Standard messaging rates apply. Reply STOP to opt out or HELP for assistance. Your provision of SMS consent is not a condition of purchase or site access.
External Websites and Referrals
The Terms featured on this page apply to Rate Fixers, operated by Rate Fixers. These Terms do not apply to any third-party websites, including those accessible through links, articles, or advertisements on this website. Rate Fixers is not responsible for the content, privacy practices, or terms of third-party sites. Users are encouraged to review the terms and privacy policies of any third-party websites before submitting personal information.
Your Data and How We Use It
Rate Fixers collects personal information from users as described in our Privacy Policy, which is incorporated by reference. Categories of data collected may include name, email address, postal address, phone number, IP address, device identifiers, and behavioural/browsing data.
We may share personal information with advertising partners, data brokers, and other third parties for purposes including targeted advertising, lead generation, and analytics, as further described in our Privacy Policy. We do not sell Sensitive Personal Information. California residents and residents of states with applicable privacy laws have rights including the right to know, access, correct, delete, and opt out of the sale or sharing of their personal information and targeted advertising.
To exercise your privacy rights, visit our Privacy Choices page or contact us using the information below. We will respond to verifiable consumer requests within the timeframes required by applicable law.
Financial Information Notice
Rate Fixers does not request or require financial account information for any purpose. Any concerns about improper collection or disclosure of financial information in connection with this website should be directed to Rate Fixers promptly, using the contact information set out below.
Intellectual Property and Copyright
Copyright © 2026 Rate Fixers. All rights reserved. Trademarks and proprietary materials associated with Rate Fixers may not be used without the express written consent of Rate Fixers. Unauthorized use may result in civil or criminal penalties.
If you believe any content on this website violates your copyright, please send a written DMCA-compliant notice to [email protected] including: (1) a description of the copyrighted work at issue; (2) the URL of the allegedly infringing content; (3) your contact details; and (4) a good faith statement that the use is not authorized.
Children's Data and Privacy
Children’s privacy is taken seriously on this website. This site is intended for general audiences and does not knowingly collect personal information from children under 13, in accordance with COPPA. Any such information inadvertently collected will be promptly deleted. This site is for users 18 years of age or older. If you are a parent or guardian and believe your child has submitted personal information on this website, please contact us immediately.
U.S. Residents Only
This website is maintained for U.S.-based audiences. Visitors who access this website from outside the United States assume all risk and responsibility for compliance with applicable laws of their respective jurisdictions. Rate Fixers does not warrant compliance with any non-U.S. legal requirements.
Restrictions on Use
The following activities are prohibited on or through this website: engaging in unauthorized commercial data collection; conducting e-commerce transactions; misrepresenting your identity or affiliation; interfering with or compromising website security; posting or distributing harmful, illegal, or offensive content; deploying automated tools for scraping, crawling, or data extraction without written permission; and any other use that violates CAN-SPAM, TCPA, CCPA/CPRA, FTC rules, or other applicable laws.
Termination
These Terms of Service may be amended at any time. Changes that are material will be noted with a revised “Last Updated” date. By continuing to use this website after any amendment, you agree to be bound by the updated Terms. Access to Rate Fixers may be suspended or terminated for any violation, and legal proceedings may be commenced as appropriate.
Resolving Disagreements
DISPUTES OR CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF Rate Fixers SHALL FIRST BE SUBJECT TO GOOD-FAITH INFORMAL RESOLUTION. IF UNRESOLVED WITHIN 30 DAYS, THE DISPUTE SHALL BE DETERMINED BY BINDING ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION; PROVIDED, HOWEVER, THAT A PARTY MAY SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF BEFORE ANY COURT.
CLASS ACTION WAIVER: TO THE EXTENT ALLOWED BY LAW, NO DISPUTE SHALL BE ADJUDICATED AS A CLASS, REPRESENTATIVE, OR CONSOLIDATED ACTION. ALL CLAIMS SHALL BE BROUGHT INDIVIDUALLY.
Governing Law
The laws of the State of New Jersey govern these Terms and any disputes arising hereunder, without regard to its principles of conflicts of law. Nothing in these Terms derogates from or limits any rights conferred on users by applicable state or federal privacy laws.
Reaching Us
For any inquiries relating to these Terms, contact us at [email protected]. Postal mail may be sent to: 10 Schalks Crossing Rd, Ste 501-242, Plainsboro, NJ 08536. Consumers wishing to exercise their privacy rights under CCPA/CPRA or other applicable state law over the telephone may call: 855-929-4012.