Terms & Conditions
Rates are subject to change without notice and may fluctuate multiple times throughout the day. Posted rates do not constitute an offer to lend. All loans are subject to credit approval.
All credit decisions, including loan approval, the rate/APR and terms you are offered will vary based upon your specific loan request and credit profile and are determined independently by each Advertiser with whom you are matched. There is a possibility that you may not be matched with an Advertiser in this particular Survey. Specific details about loan products available from Survey advertisers are available on their websites. Not all loan programs are available in all states. SproutQuote.com does not participate in the loan application process or make any credit decisions.
Survey rate/APR and terms are examples of loan products available from Survey Advertisers as of the date indicated and are subject to change without notice. Actual rate/APR and terms may vary based on the creditworthiness of the individual and other differences between an individual loan application and the criteria used for Survey examples. Survey criteria for fixed rate purchase and refinance loans are generally based on, but not limited to, the following: a borrower with good to excellent credit and average income seeking a loan for a single family, owner occupied, one unit dwelling with a 20% down payment (or 80% loan to value ratio for refinance), and 0 or more points.
Site Modification or Suspension
We reserve the right, at any time in our sole discretion, to modify, suspend or discontinue the sites or any service, content, feature or product offered through the Site, with or without notice. You agree that we shall not be liable to any third party for any modification, suspension or discontinuance of the Site, or any service, content, feature or product offered through the Site.
Unless otherwise noted, the Site and all materials on the site, including text, images, illustrations, designs, icons, photographs, video clips and other materials, and the copyrights, trademarks, trade dress or other intellectual property in such materials (collectively, the “Content”), are owned, controlled or licensed by SproutQuote or its parent company.
Use of the Site
ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY
SproutQuote, Lenders and Providers may choose to electronically deliver all information related to its services and your requests. SproutQuote, Lenders and Providers electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of SproutQuote, Lenders and Providers. You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with SproutQuote, Lenders and Providers. This means that SproutQuote, Lenders and Providers may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.
License and Access
SproutQuote is a marketing lead generator. SproutQuote does not take applications, make loans or credit decisions in connection with loans, nor does SproutQuote issue commitments or lock-in agreements. SproutQuote’s services are only administrative. Any loan inquiry you submit is NOT an application for credit, it is an inquiry to be matched with Lenders to receive condition loan offers from them. You have not been pre-approved, pre-qualified or any similar concept by submitting an inquiry form to us. You may have to complete an application with a Lender and may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other item, before they will extend an unconditional offer. At closing you will be responsible for paying any settlement or closing costs associated with your loan. SproutQuote is paid a marketing lead generation fee by lenders for the services provided, depending on the lender the marketing lead generation fee paid by the lender may be included in your rate, points or loan terms. SproutQuote is not the lender, agent or broker and does not endorse or recommend the products of any particular Lender.
You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that SproutQuote shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by SproutQuote or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.
The Websites and the services provided by SproutQuote may only be made available to residents of, or secured by real property located in, states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. SproutQuote Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.
SproutQuote does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders and SproutQuote does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender’s offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including, but not limited to loan to value and debt to income ratios. You might not be matched with the Lender making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Lenders may obtain, verify and record information that identifies each person who opens an account with us and them. Lenders may ask for your name, Social Security Number, address, telephone number, date of birth and other important information including, but not limited to information received from your credit file, that will allow them to properly identify you. During the Lender application process, they may also ask to see your driver’s license or other identifying documentation to further properly identify you.
Reviews, Comments, Communications and Other Content
In the event that consumers may submit comments; send e-mail communications; and submit suggestions, ideas, comments, questions, or other information to the Site, consumers may do so, so long as the content is not illegal, threatening, defamatory, obscene, 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, commercial solicitation, political campaigning, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. SproutQuote reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. SproutQuote has the right but not the obligation to oversee and edit or remove any activity or content. SproutQuote claims no responsibility and assumes no liability for any content posted by you or any third party.
Third Party Content and Links to Other Websites
Third parties not affiliated with SproutQuote may offer services or products on this site. We do not warrant or assume any responsibility or liability for the actions, offers or content of third parties who may have advertisements or links on our site. SproutQuote does not endorse, has no control over, and is not responsible in any manner for the terms, conditions, fulfillment or performance of such third parties’ advertisements or offers, the collection of information from you by any such third parties, the use of your information by any such third parties, or the use, operation or availability of websites owned or operated by, or on behalf of, any such third parties. You should carefully review their privacy statements and other conditions of use. You further acknowledge and agree that SproutQuote will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any third party content or links, products, goods or services available on or through any such websites.
YOU AGREE TO INDEMNIFY SproutQuote, INCLUDING SproutQuote’s PARTNERS, OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ADVERTISERS, AND THIRD PARTY SERVICE PROVIDERS (COLLECTIVELY, SPROUTQUOTE’S PARTIES’), AND HOLD THEM EACH HARMLESS FROM ANY AND ALL CLAIMS OR DEMANDS, INCLUDING REASONABLE ATTORNEY’S FEES AND COSTS, MADE BY ANY THIRD PARTY DUE TO OR ARISING FROM YOUR USE OF THE SERVICE, YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR VIOLATION OF ANY RIGHTS OF A THIRD PARTY.
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE SPROUTQUOTE AND SPROUTQUOTE PARTIES AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES 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 ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.
Disclaimer of Warranties and Limitation of Liability
THIS SITE IS PROVIDED BY SPROUTQUOTE ON AN “AS IS” AND “AS AVAILABLE” BASIS. SPROUTQUOTE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SPROUTQUOTE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SPROUTQUOTE OR ITS PARTIES MAKES NO WARRANTY THAT (a) THE SERVICE WILL MEET YOUR REQUIREMENTS; (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (c) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (d) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL MEET YOUR EXPECTATIONS OR NEEDS. SPROUTQUOTE DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM SPROUTQUOTE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SPROUTQUOTE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Any dispute relating in any way to your visit to SproutQuote or loans you apply for through SproutQuote shall be submitted to confidential arbitration in the State of Georgia, County of Gwinnett, except that, to the extent you have in any manner violated or threatened to violate any SproutQuote intellectual property rights, SproutQuote may seek injunctive or other appropriate relief in any state or federal court in the state of Georgia and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.