Terms of Service
Last Updated: Feb-5-2026
Welcome to RateGuide. These Terms of Service (“Terms”) govern your access to and use of the RateGuide website located at rateguide.co (the “Site”), operated by RateGuide (“RateGuide,” “we,” “us,” or “our”).
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1What RateGuide Does
RateGuide provides tools and information designed to help users explore vehicle financing options and understand potential loan scenarios. RateGuide may also generate aggregated, anonymized market insights based on user activity and inputs.
⚠️ RateGuide is not a lender, broker, or financial institution.
We do not issue loans, make credit decisions, or guarantee financing approval.
2Eligibility
You must be at least 18 years old to use the Site. By using RateGuide, you represent that you meet this requirement.
3User Information & Consent
By submitting information through the Site, you agree that:
- The information you provide is accurate to the best of your knowledge
- You consent to RateGuide using your information to generate matches or estimates, operate and improve the platform, and create aggregated and anonymized market insights
- You acknowledge that RateGuide may share your information with participating lenders only when you explicitly consent
- RateGuide does not require Social Security numbers and does not pull full credit reports.
4No Guarantee of Results
RateGuide does not guarantee:
- loan approval
- specific interest rates
- financing terms
- lender participation
Any results, estimates, or matches displayed are informational only and may not reflect final lender decisions.
5Not Financial Advice
Information provided on the Site is for general informational purposes only and does not constitute financial, legal, or credit advice. You should consult qualified professionals before making financial decisions.
6Aggregated Data & Analytics
You acknowledge and agree that RateGuide may:
- analyze user behavior and inputs
- generate anonymized and aggregated insights
- use these insights to improve the platform or provide market-level analytics to partners
This data does not identify individual users.
7No Sale of Personal Information
RateGuide does not sell personal information.
We do not resell user data to third parties.
8Intellectual Property
All content on the Site, including text, graphics, logos, and software, is owned by RateGuide or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, modify, or distribute any content without prior written consent.
9Prohibited Uses
You agree not to:
- misuse or interfere with the Site
- attempt to access restricted systems or data
- submit false or misleading information
- use the Site for unlawful purposes
We reserve the right to restrict or terminate access for violations.
10Third-Party Links & Services
The Site may include links to third-party websites or services. RateGuide is not responsible for the content, policies, or practices of third parties.
11Disclaimer of Warranties
The Site is provided “as is” and “as available.” RateGuide makes no warranties of any kind regarding availability, accuracy, or reliability.
12Limitation of Liability
To the maximum extent permitted by law, RateGuide shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.
13Indemnification
You agree to indemnify and hold harmless RateGuide from any claims, losses, or damages arising out of your use of the Site or violation of these Terms.
14Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the Site constitutes acceptance of the updated Terms.
15Governing Law
These Terms are governed by the laws of the United States and the State of Michigan, without regard to conflict-of-law principles.
16Affiliate Marketing & Compensation Disclosure
Affiliate Disclosure
RateGuide participates in affiliate marketing programs and maintains affiliate relationships with certain lenders and financial institutions featured on our platform. When you click on certain links, submit applications, or complete transactions with partner lenders, we may receive compensation in the form of referral fees, commissions, or other consideration.
This means that RateGuide may earn money when you are connected with, apply to, or obtain financing from certain lenders on our platform.
How Affiliate Compensation Works
- Referral Fees: We may receive payment when you click through to a lender's website or application portal from our platform.
- Commission-Based Compensation: Some lenders pay us a commission if you complete an application, are approved for financing, or fund a loan.
- Marketing Fees: Certain lenders may compensate us for marketing their services or featuring their offers on our platform.
- Performance-Based Payments: Compensation may vary based on factors such as loan amount, approval rates, or other performance metrics.
Important Disclosures
- •No Additional Cost: Affiliate compensation does not increase the interest rate, fees, or loan terms you receive. Your loan terms are determined by the lender based on your creditworthiness and application.
- •Not All Lenders Pay Commissions: Some lenders featured on our platform do not provide affiliate compensation. These relationships exist to provide you with a broader range of financing options.
- •Compensation Does Not Affect Rankings: While we receive compensation from certain partners, this does not determine how lenders are ranked or matched to your profile. Our matching algorithms prioritize factors such as your stated preferences, credit profile, and loan requirements.
Our Independence & Transparency
RateGuide is committed to transparency and providing accurate, helpful information regardless of compensation arrangements. We believe:
- Your best interests come first when matching you with financing options
- All rate information displayed should be accurate and current
- You deserve to see multiple lending options to compare
- Our platform should help you make informed financial decisions
While affiliate relationships help support our free service, they do not compromise our commitment to providing objective information and empowering you to choose the best financing option for your needs.
Federal Trade Commission (FTC) Compliance
This disclosure is provided in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials. We are transparent about our business model and any compensation we receive from lender partnerships.
17Contact Information
If you have questions about these Terms, contact us at: