Terms of Service

Welcome to EquipRates. By accessing or using our website at equiprates.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

1. About Our Service

EquipRates provides an equipment financing comparison platform that helps businesses explore and compare financing options from various lenders. We provide informational content, comparison tools, and may connect you with third-party lenders. We are not a lender and do not make lending decisions.

2. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or your business. By using our Site, you represent that you meet these requirements.

3. Informational Purposes Only

The content on our Site is for informational purposes only and does not constitute financial, legal, or professional advice. Rates, terms, and conditions displayed are estimates and may vary. Always verify current terms directly with lenders before making financing decisions. We encourage you to consult with qualified financial professionals regarding your specific situation.

4. Third-Party Lenders

When you submit applications or inquiries through our Site, you may be connected with third-party lenders. These lenders have their own terms, privacy policies, and underwriting criteria. EquipRates is not responsible for the actions, products, or services of third-party lenders. Any agreement you enter into with a lender is solely between you and that lender.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties about the completeness, accuracy, or reliability of information on our Site. Lender rates, terms, and availability are subject to change without notice. Always confirm details directly with lenders.

6. User Conduct

You agree not to:

• Provide false or misleading information
• Use our Site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Site's operation
• Scrape, harvest, or collect data without permission
• Use automated systems to access our Site (except approved search engine crawlers)

7. Intellectual Property

All content on our Site, including text, graphics, logos, and software, is the property of EquipRates or our licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Affiliate Disclosure

EquipRates may receive compensation from lenders when you apply through our Site. This compensation may affect which products appear on our Site and how they are displayed. However, our editorial content and recommendations are based on objective analysis. See our About page for more details on how we make money.

9. Limitation of Liability

To the maximum extent permitted by law, EquipRates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our Site.

10. Disclaimer of Warranties

Our Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Indemnification

You agree to indemnify and hold harmless EquipRates, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Site or violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of our Site after changes constitutes acceptance of the modified Terms.

14. Contact Us

If you have questions about these Terms, please contact us:

Email: legal@equiprates.com