Terms of Service

Last updated: March 14, 2026

These Terms of Service govern your use of the Value of Rates website. By accessing or using this site, you agree to be bound by these terms. If you do not agree with these terms, you should not use the website.

Use of the Website

The content on Value of Rates is provided for informational purposes only. You may use the website for personal, non-commercial use unless otherwise permitted. You agree not to misuse the website, attempt to disrupt its operation, or attempt to access data or systems without authorization.

Financial Data and Tools

Value of Rates provides mortgage rate data, U.S. Treasury yield information, charts, and financial calculators for informational purposes only. Any results generated by calculators or tools are estimates and may not reflect actual loan terms, lender offers, or real-world outcomes. You should verify all financial information with appropriate financial institutions or professionals before making decisions.

Intellectual Property

All content on this website, including text, graphics, charts, layout, design, and software components, is the property of Value of Rates unless otherwise noted. You may not reproduce, distribute, modify, or republish any material from this site without prior written permission.

Market Data

Mortgage rates, Treasury yields, charts, and related data displayed on this site may originate from third-party sources and may be delayed, incomplete, or inaccurate. Value of Rates does not guarantee the accuracy or completeness of any financial data. You should verify information through appropriate financial sources before making decisions.

Third-Party Services

This website may rely on third-party services such as analytics providers, data providers, or advertising networks. These services may have their own terms and privacy policies that govern their use.

Advertising

Value of Rates may display advertising provided by third-party networks, including Google AdSense. The appearance of advertisements does not imply endorsement or recommendation by Value of Rates.

Limitation of Liability

To the fullest extent permitted by law, Value of Rates shall not be liable for any damages resulting from your use of, inability to use, or reliance on information provided by this website.

Changes to These Terms

These Terms of Service may be updated from time to time. Updates will be posted on this page with a revised effective date.

Contact

If you have questions regarding these Terms of Service, please contact us through the contact page.

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