Terms
Terms of use
Effective date: April 22, 2026
By accessing or using RateOrchard.com ("the Site"), you agree to these terms. If you do not agree, do not use the Site.
1. Informational use only
Content on the Site is published for general educational purposes. It is not financial, insurance, tax, or legal advice. Rates, laws, and coverage requirements change frequently and vary by individual circumstance. Before acting on anything you read here, verify with a licensed professional and with the primary source linked on the page.
2. Accuracy
We aim for accuracy. We do not warrant it. Numbers reflect the most recent data we could pull from the cited source at the time of last update. The source itself may revise, reissue, or withdraw a figure without our knowledge. We correct errors we become aware of per our editorial policy.
3. Third-party content and links
The Site links to third-party websites, including quote aggregators and lender comparison services. We do not control those sites and we are not responsible for their content, privacy practices, pricing, or availability. A link is not an endorsement.
4. Intellectual property
Original text, design, code, logos, and charts produced by RateOrchard are owned by RateOrchard and are provided under copyright. You may quote short excerpts with attribution. Republishing the full content of a page without written permission is not allowed. Public-source data that we display (NAIC, FRED, Census, and so on) remains the property of its original publishers.
5. User-submitted content
If you submit a review, comment, or tip, you grant RateOrchard a non-exclusive license to display, edit, and distribute that submission. You represent that you own what you submit and that it does not violate anyone else's rights. We may remove submissions that are defamatory, unlawful, or misleading.
6. Prohibited uses
You agree not to: scrape the Site at volumes that burden our infrastructure; attempt to extract personal data about other users; probe the Site for vulnerabilities without coordinated disclosure; or use the Site to develop a competing database by automated republication.
7. Disclaimer of warranties
The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.
8. Limitation of liability
To the maximum extent permitted by law, RateOrchard and its contributors are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Site.
9. Changes
We may update these terms. The revised terms take effect on the date posted at the top of the page. Continued use of the Site after that date signals your acceptance.
10. Contact
Questions about these terms: [email protected].