Thank you for visiting the RealRate website and reviewing our policies. These include our terms and conditions of use as well as policies covering intellectual property (IP) rights. It is important to read the following terms of use. Your use of the RealRate website constitutes your agreement to abide by these terms.

1. The RealRate website is created and designed for the purpose of communicating general information with users of the Internet by electronic means. It includes the integration of third party communication tools that are not under our direct control, thus precluding us from any warrantees thereto.

2. All references herein to “website” include any applications or databases integrated with this website and accessible for your business use only.

3. The RealRate website should not be relied upon for on-line technical assistance or any other emergency services and is in no way designed to serve as an alternative to the technical support services provided by RealRate or independent third-party technical support services.

4. RealRate, Q*STP and the RealRate Logo are all service marks and/or copyrights owned by Quadrant Information Services, LLC, ALL RIGHTS RESERVED. All materials published on this website are protected by copyright, and owned or controlled by RealRate, or the party listed as the provider of the content, software or other materials.

5. RealRate reserves the right to modify, update or alter these Terms of Use at any time. You will be alerted only by electronic means to any changes in our Terms of Use as they may occur. Your continued use of the website constitutes your agreement to comply with such modifications. You may not advertise or solicit on these pages without RealRate's express written permission.

6. Communications made through this website's e-mail and messaging system shall in no way be deemed to constitute legal notice to RealRate or any of its agencies, officers, employees, agents, or representatives, with respect to any existing or potential claim or cause of action against RealRate or any of its agencies, officers, employees, agents, or representatives, where notice to the RealRate is required by contract, or any federal, state or local laws, rules, or regulations.

7. This website may be used as intended by RealRate for its authorized purposes. Unauthorized use or modification of any information stored on this website may result in criminal and/or civil prosecution under Federal, State, and local law. RealRate and its agents may monitor and audit the usage of this system, and all persons are hereby notified that use of this system constitutes consent to such monitoring and auditing.

8. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, UPLOADING, DOWNLOADING, POSTING, TRANSMITTING OR DUPLICATING ANY OF THE MATERIAL IS PROHIBITED. You may download or copy any downloadable materials displayed on the website for the specified uses only, provided that you maintain all copyright, trademark and other notices contained in such material and you agree to abide by all additional copyright notices, information or restrictions contained in any material accessed through the website. Commercial use, copying, or unauthorized distribution of the website materials is prohibited without the prior written permission of RealRate. Except as may be otherwise indicated in specific documents within this publication, you are authorized to view, copy, print, and distribute documents within this publication, subject to your agreement that:

1. Your use is for informational and noncommercial purposes only;
2. You will not modify the documents or graphics;
3. You will not copy or distribute graphics separate from their accompanying text, nor will you quote materials out of context;
4. You will display the above copyright notice and retain any other copyright and other proprietary notices on every copy you make;
5. You acknowledge that RealRate has not conferred upon you by waiver, estoppels or otherwise, any license or right under any patent, trademark or copyright (except as expressly provided above);
6. You agree that RealRate shall be free to use any ideas, concepts or techniques contained in your response for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products incorporating such ideas, concepts or techniques.

9. You shall not restrict or inhibit any other user from using and enjoying any service conducted on this website, nor shall you upload, transmit, distribute or otherwise publish on the website (i) any unlawful, threatening, abusive, defamatory, obscene, vulgar, pornographic, profane or indecent materials; (ii) any materials which infringe any intellectual property right of any third party or advertise or otherwise solicit funds or is a solicitation for goods and services; or (iii) any materials containing a computer virus or other harmful component. While RealRate has no obligation to monitor the website and is not responsible for the content of any messages, information or files transmitted on the website, RealRate reserves the right to delete, move, edit, refuse to post or take other appropriate action with respect to such messages, information or files which RealRate, in its sole discretion, deems objectionable or otherwise in violation of these Terms of Use.

10. The information provided on this website, and links to other related websites, are provided as a courtesy to RealRate website visitors only, and are in no manner an endorsement, recommendation or approval of any person, product or service contained on any other website.

11. RealRate recognizes the importance of protecting the information that we collect from customers during the process of registering for a service, product, newsletter, or membership area in the RealRate website. It is our policy to use the information we acquire through the registration process or through user postings at our sites for internal business uses only, and we maintain appropriate security measures to keep this information private. Gathering this information helps us develop websites and products to meet your needs. RealRate cannot take any responsibility for such collection or disclosure. By accessing this website, you also agree to allow us to send you communications or emails offering products, goods, services or other valuable information.

12. RealRate is neither responsible nor liable for any viruses or other contamination of your system nor for any delays, inaccuracies, errors or omissions arising out of your use of the website or with respect to the material contained on the website, including without limitation, any material posted on the website. THIS WEBSITE AND ALL MATERIALS CONTAINED ON IT ARE DISTRIBUTED AND TRANSMITTED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE. RealRate IS NOT RESPONSIBLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM THE USE OF, OR THE INABILITY TO USE, THE WEBSITE AND/OR THE MATERIALS CONTAINED ON THE WEBSITE, WHETHER THE MATERIAL IS PROVIDED BY RealRate, OR A THIRD PARTY.

13. RealRate operates this website from its data center in Southern California and makes no representations that materials in this website are appropriate or available for use in other locations. If you access this website from other locations, you do so at your own risk and are solely responsible for compliance with any and all applicable laws, rules and regulations. The display of this website alone, by RealRate, does not subject RealRate to any specific jurisdiction.

14. This Agreement shall be governed by, construed and enforced in accordance with the laws of the State of California as applied to agreements made and to be performed entirely therein. Any action brought to enforce the Agreement or in connection with this website shall be brought in either the state or federal courts in Alameda County, California.