Prior to accessing this website and its services, CheckRaise Technologies (collectively “CheckRaise”, “we”,
provided through this website. Please note that you must be 18 years of age to use our services.
By accessing, browsing or using this website and its services, through any direct or indirect means or by
using the goods, facilities or services offered in or through this website and its services through any
alternative methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree
through these alternative methods).
This website and its services provides information on financial products and services for consumers where
consumers may request additional information through an inquiry on products or services they are interested in.
Personal information submitted in connection with this website/service is subject to our Privacy Statement. For more
information, see our full Privacy Statement.
a) We are not a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto
sales company or automotive warranty organization. This is not, and is not intended to be any type of
application for any financial product. We do not charge you a fee to use this website and its services.
b) If you submit an inquiry on this website, We will share the personal information that you provided with our
network of clients including but not limited to: credit consultants, mortgage bankers, mortgage brokers,
insurance brokers or any other business in our network that may be related or unrelated to the service or
product you have expressed interest in. Accordingly, different types of businesses unrelated to your inquiry
may be provided your information and may contact you. For example:: If you submit an inquiry regarding a
mortgage loan product, you may also be contacted by a credit consultant.
c) Some clients are organizations who are subject to Federal and State laws and regulations for their
practices. Please review the privacy practices of all third parties who contact you. If you have any
questions regarding their practices, please contact them directly.
d) Your information will be shared with, Secure Rights. You agree to share your information with Secure
Rights and up to 4 of its clients and allow them to contact you (including through automated means; e.g.
autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS)
and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not
Call list. Upon submitting your information, you agree to receive autodialed or prerecorded calls (including
to mobile numbers) and texts and emails from CheckRaise and its affiliates, partners, and vendors to the
phone numbers (including mobile numbers) and email addresses you provide to CheckRaise or in the
future and to any phone numbers or email addresses subsequently associated with you by CheckRaise or
its affiliates or marketing partners, affiliates or vendors. You understand and agree that your consent is not
a condition, directly or indirectly of a purchase.
e) In most cases, a company will contact a consumer regarding requests within 24 hours. You understand that
any requirements to qualify for a financial products are made by those individual clients and we do not
warrant, endorse, or guarantee the products or services of any the clients who may contact you.
f) You certify to CheckRaise that: . The information you have submitted to us on this website or otherwise, is
accurate, complete and that you have not submitted or provided false information to us; You are at least 18
years of age; You assume full responsibility for the use of this website/service by any minors; and your use
of this website/service is subject to all applicable federal, state, and local laws and regulations.
2. Prohibited Use
a) You shall not use this website/service for any illegal purpose or for the transmission of any material that is
unlawful, harmful, harassing, abusive, libelous, racially or ethnically offensive, invasive of another’s privacy,
vulgar, threatening, obscene, sexually explicit, tortious, defamatory, or that infringes or may infringe on the
intellectual property or rights of another, or in a reasonable person’s view objectionable; directly or indirectly
interfere, or attempt to interfere with the proper working of this website and its service or system integrities
or securities; interference of any account, or any communication or transaction being conducted on this
website and its service; use any robot, spider, other automatic device, or manual process to monitor or
access or copy our web pages or any content without our prior expressed written permission; take any
action which imposes an unreasonable or disproportionately large load on our infrastructure; post, upload,
transmit, submit, email or make available by any other means any data or content protected under any law
or contractual relationship that you do not have the right to distribute; conduct fraud, represent yourself as
someone else or hide or attempt to hide your identity; and interfere or attempt to interfere with the proper
working of this website/service.
3. Electronic Communications
a) When you visit our website/services, use our website/services or send email to us, you are communicating
with us electronically. You consent to receive communications from us electronically. Although we may
choose to communicate with you by regular mail, we may also choose to communicate with you by email or
by posting notices on our Services. 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.
4. Copyright and Trademark Notice Information
a) Our website and its services contains intellectual property owned by us and other parties. As to the
relationship between us and you; we are the sole owner of this website and its services and all materials on
or available through our website and its services including without limitation, all applicable U.S. and non-
U.S. copyrights, patents, trademarks, and trade secrets, and other intellectual property rights thereto
(collectively “website/services Content”).
b) Except as otherwise specifically provided in this Agreement, you may not save or download a copy of the
website or its services, website content or any portion thereof, for any purpose; however, you may print a
copy of individual screens appearing as part of the website or its services or content solely for your
personal, non-commercial use or records, provided that our marks, or logos appear on the copied screens
remain on the copy, and are not removed from the printed or stored images of such screens.
c) Except as otherwise expressly permitted herein, you may not publish, transmit, display, modify, copy, or in
any way exploit any portion of our website or its services content unless you first obtain prior written
consent from us and from all other entities with an interest in the relevant intellectual property.
d) Any unauthorized attempt to modify our website or its services, or the website and its services content, to
overthrow or evade our security features, or to utilize our website and its services for other than its planned
purposes is strictly prohibited.
5. NO WARRANTY
THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN
“AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT,
MATERIALS, SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES INCLUDING ANY LOAN YOU
MAY CHOOSE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.
YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER, BROKER, INVESTOR, FINANCIAL
INSTITUTION OR OTHER SERVICE PROVIDER.
YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH
PERSONS OR INSTITUTION AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR
ANY CONTENT, SERVICES OR LOANS PROVIDED BY SUCH SERVICE PROVIDERS.
a) Except as expressly set forth herein, we are not responsible for any inaccurate or incorrect
information or entry of information, whether caused by a user of our website and its services or by
any of the equipment or programming associated with or utilized in connection with our website and
its services or any services provided on or through our website, or by any technical or human error
which may occur in the processing of information received by us. We assume no responsibly for
any error, omission, interruption, deletion, defect, delay in operation or transmission,
communications line failure, theft or destruction or authorized access to, or alteration of,
information received or submitted in connection with our website/services. We are not responsible
for any problems, errors or technical malfunction of any telephone network or lines, computer on-
line systems, servers or providers, computer equipment, or software, or any failure of email on
account of technical problems or traffic congestion on the Internet or at our website/services or
combination thereof, including injury or damage to participants or to any other person’s computer
related to or resulting from use of our website/services or website/services Content.
b) WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR
GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE CORRECTNESS, ACCURACY, OR
COMPLETENESS OF THE CONTENT OR THE SERVICES OR THE SAFETY, RELIABILITY,
MERCHANTABILITY, TITLE, TIMELINESS, COMPLETENESS, CONFORMITY OR FITNESS FOR A
PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED
WITH OUR SERVICES.
c) IT IS SOLEY YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY,
CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS
ASSOCIATED WITH OUR SERVICES AND ANY FINANCIAL PRODUCT OR SERVICE YOU ACCEPT.
d) WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT OF OUR
WEBSITE AND ITS SERVICES MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS
FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK
DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER
PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR
THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, COVERTLY INTERCEPT
OR CONFISCATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
e) WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR
IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES.
6. LIMITATION OF LIABILITY
a) IN NO EVENT WILL WE, OUR PARENTS, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES,
LICENSORS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AND
EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY:
i. FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL
DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS
PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE
LIKE), OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE,
RELIANCE ON, OR INABILITY TO USE THE WEBSITE/SERVICES OR WEBSITE/SERVICES
CONTENT, EVEN IF ALL SUCH PARTIES SHALL HAVE BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN
CONTRACT, TORT, OR OTHERWISE; OR
ii. FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN,
OR DESTRUCTIVE PROPERTIES OF THE WEBSITE/SERVICES OR THE WEBSITE/SERVICES
CONTENT. YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR
RELATED TO OUR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF
ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
b) SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE
LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.
ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM
EXTENT PERMITTED BY LAW.
a) YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE CHECKRAISE AND ITS
SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS,
EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS,
DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR
CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS,
DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES,
COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR
UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE
CONNECTED WITH YOUR USE OF THE SERVICE.
a) You agree to indemnify and hold harmless CheckRaise, its subsidiaries, affiliates, agents, shareholders,
officers contractors, vendors, employees, and service providers harmless from any claim or demand,
including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this
website/service, the violation of this Agreement by you, or the infringement by you, or other user of this
website/service using your computer, of any intellectual property or other right of any person or entity.
CheckRaise and its service providers assume no responsibility whatsoever for such content or actions.
CheckRaise reserves the right, at its own expense, to assume the exculsive defense and control of any
matter otherwise subject to indemnification by you.
9. ARBITRATION AGREEMENT AND CLASS ACTION WAIVER
READ THIS SECTION CAREFULLY: This arbitration provision limits your and CheckRaise’s ability to litigate
claims in court and you and CheckRaise each agree to waive your respective rights to a jury trial or a state
or federal judge. You agree that you will not file any lawsuit against us in any state or federal court.
BY ACCESSING AND/OR USING ANY CHECKRAISE WEBSITE AND ITS SERVICES, YOU AGREE TO THESE
SERVICES OR SUBMIT ANY CONTACT INFORMATION IF YOU DO NOT AGREE TO THESE TERMS.
a) THIS AGREEMENT IS BINDING TO ARBITRATE ALL CLAIMS. YOU AGREE THAT DISPUTES
BETWEEN YOU AND CHECKRAISE WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION
AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE
b) THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND CHECKRAISE WILL BE
RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. IF A
DISPUTE IS ARBITRATED, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS
REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST
CHECKRAISE INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF
c) We strive to never have a dispute, but if we do, you and we agree to try for 60 days to resolve it
informally. If no resolution results from this informal process, you and we agree to binding
individual arbitration before the American Arbitration Association (“AAA”) under the Federal
Arbitration Act (“FAA”), and not to sue in court in front of a judge or jury. As an alternative, a neutral
arbitrator will decide and the arbitrator’s decision will be final except for a limited right of appeal
under the FAA. Class action lawsuits, class wide arbitrations, private attorney-general actions, and
any other proceeding where someone acts in a representative capacity aren’t allowed. Nor is
combining individual proceedings without the consent of all parties.
d) You agree that the Arbitrator will have sole and exclusive jurisdiction over any dispute you have
with us. The Federal Arbitration Act allows for the enforcement of arbitration agreements and
governs the interpretation and enforcement of the agreement to arbitrate.
e) If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that
specific provision shall be of no force and effect and shall be severed, but the remainder of this
Arbitration Agreement shall continue in full force and effect. No waiver of any provision of this
Arbitration Agreement will be effective or enforceable unless recorded in a writing signed by the
party waiving such a right or requirement. Such a waiver shall not waive or affect any other portion
of this Agreement. This Arbitration Agreement will survive the termination of your relationship with
a) If you breach or violate any part of this Agreement or provisions in the Privacy Statement you may no
longer use this website/service.
b) We may, at our sole discretion, change, suspend, or terminate, temporarily or permanently, this website
and its service or any part of it at any time, for any reason, without notice to you and without liability to you
or any other person.
c) You agree that all terminations for cause shall be made at our sole discretion and shall not be liable to you
or any third party for any termination.
11. Changes to Terms, Policies or Website
a) We reserve the right to change any information, feature or functions of our website and its services without
b) We may deny you access to this website and its services for any reason without prior notice if you engage
in any conduct or activities that we determine, in our sole discretion, violate these Terms, our legal rights or
the legal rights of any third party or are otherwise inappropriate.
c) We are not responsible for any errors or delays in providing the website/services whether caused by errors
in the registration information you provided by any technical problems in our system.
d) We reserve the right to make changes to this Agreement and the posted Privacy Statement. Any changes
made will be effective from the date of such posting without further notice to you. As such, the Privacy
relationship for that registration and referral request.
12. Entire Agreement
of this website/service which supersedes any prior agreements between you and CheckRaise. You also may be
subject to additional terms and conditions that may apply when you use other services, affiliate services, third party
content or third party software.