Terms of Use


1.1     These terms and conditions shall govern your use of our website.

1.2     By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3     You must be at least [18] years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least [18] years of age.

1.4     Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy and cookies policy.

1.5     RateSpy.com is a news and information website that collects publicly available rate and mortgage data from all prime lenders and top mortgage brokers. RateSpy.com does not require nor seek permission to exercise its rights to display rate and mortgage data from any provider. You explicitly agree that it can display said data as it sees fit and at is sole and unfettered discretion. Our website collects this data in accordance with the law from multiple sources, not just the rate provider’s website.



2.1      Information provided on RateSpy.com is editorial material and general information, and not financial advice. RateSpy.com is a mortgage rate news publication and not a mortgage broker or lender. You hereby acknowledge that Ratespy.com shall bear no responsibility for the actual rates that you do receive, and that RateSpy.com provides general information and is not intended as financial advice.

2.2       The rates shown on this site may not be the provider’s actual rates and are not guaranteed to always be updated in a timely fashion. Some rates, particularly major bank rates, contain conservative RateSpy.com estimates of discounting.

2.3       Your rate may be significantly better or worse than the rates you see on this site, or you may not qualify for the rates at all.

2.4       You will always confirm with the source (i.e., the lender or broker quoting the information and rates) before relying on any information from this website.

2.5       All information on the site is provided as-is without warranty and is subject to change without notice.

2.6       All rates are available on approved credit (OAC) only, are subject to the lender’s conditions and may contain errors and omissions.

2.7       Due to the potential of unforeseen technical difficulties, Rate Alerts cannot be guaranteed to trigger based on your criteria. Rate Alerts may also expire after one year so please do not rely on them for any financial-related purpose.



3.1       You will not copy, republish, frame or commercially utilize information from this website without the explicit and prior written consent from McLister Media Inc. Any unauthorized copy, republishing, frame or commercial utilization from this website is strictly prohibited, and RateSpy.com reserves the right to strictly enforce its legal rights in the event of a breach therein.

3.2        All data and information on RateSpy.com, RateSpy.ca and its affiliated websites and publications are subject to the terms on this page and are copyrighted with all rights reserved.

3.3        RateSpy may refuse, correct, reposition, reject or delete rates, lenders, brokers and forum posts at any time, for any reason, at its sole discretion.

3.4        As a participant on this site, you agree that we can tweet, blog, report on or otherwise publish any content that relates to you or your organization, which you either volunteer or which exists in the public domain.

3.5       Cookies may be stored on your computer to facilitate a more user-friendly experience.

3.6       All intellectual property rights pertaining to RateSpy.com remain that of McLister Media Inc., and you will not use or extract any data, rates, images or information from this website for business use without the advance express written consent of McLister Media Inc.

3.7        RateSpy.com may track and publish non-personally-revealing information about you or your business, subject to its privacy policy.



4.1        You warrant that any advertisements, rates, messages, images and other information you post on RateSpy.com are lawful, truthful and permitted.

4.2        As a user of this site, you will be held solely responsible for the content of any message that you post. If you post libelous, defamatory, slanderous, or otherwise untruthful remarks about a person or company, you could be putting yourself in legal jeopardy.

4.3        You will not post any information that impersonates another individual or company, contains spam, profanity or vulgar language, or is excessively insulting or argumentative, abusive, degrading, harassing, deceptive, fraudulent, or otherwise inappropriate.

4.4        RateSpy.com and its related parties are not responsible for comments left by 3rd parties on this website, regardless of whether those 3rd parties are registered users of RateSpy.com and regardless of whether RateSpy.com has control over publishing their comments.

4.5        If you request your rates to be advertised on this website and websites related to RateSpy.com which use its data, you agree that it is your sole responsibility to confirm that all information that RateSpy.com displays related to your company, products, rates, agents, brokers, or representatives, is accurate and does not contravene any laws or regulations. If it is not, you agree to notify us immediately and allow us to correct it.

4.6        If you are a broker that has requested to have your rates be displayed on RateSpy.com, you thereby agree that as a condition of RateSpy’s acceptance of your rates, you will price at least one mortgage term among the lowest three (3) rates on RateSpy.com for that term. Barring that, your rates may be removed from the website without notice, unless you are a Premium Exposure Package subscriber.

4.7        As a paid advertiser, in exchange for the right to advertise on RateSpy.com, you agree to advertise rates on RateSpy.com that are at least as low as the rates you are advertising elsewhere.

4.8        If you are an advertiser, broker, mortgage specialist, advisor or lender who has requested to display your rates on this website or accept mortgage inquiries from RateSpy.com, you warrant that you are legally permitted to advertise on this website and provide the information you do to us. Further, you agree to hold McLister Media Inc. harmless for any and all claims, losses and damages you or your affiliates may incur in relation to this website, your participation on this website and the information this website contains.

4.9        Registration is limited to one username per member. RateSpy.com may, without prior notice, immediately terminate any or all of your accounts after discovering you have registered, and/or posted under, multiple usernames.

5.0       These terms may be updated by McLister Media Inc. from time to time without notice. As a user of this website, you agree that it is your responsibility to keep informed of any such changes to the terms published on this page.

5.1        As a paid advertiser, former or current, you may temporarily remove your rates for up to 15 days in any 12 month period, subject to RateSpy.com’s ability to display any rates of yours that appear on websites, and subject to the other terms herein.At all times, paid advertisers must have a minimum of two rates active on the website. If, as a paid advertiser, you request your rates to be removed, and RateSpy.com chooses to display your rates, you will not be billed pay-per-click fees (or other fees related to your rate being displayed) during this time.



5.2     While we do take all reasonable steps to make sure that the information on this website is up to date and accurate at all times we do not guarantee that all material is accurate and ,or up to date.

5.3       All material contained on this Website is provided without any or warranty of any kind. You use the material on this Website at your own discretion.



6.1        You will hold RateSpy.com, its owner McLister Media Inc., its employees, representatives and agents harmless for any liability, losses, damages, claims or actions resulting from your involvement with RateSpy.com and the use of data and commentary presented on RateSpy.com or website’s related to RateSpy.com.



7.1        In the event of a dispute, you agree to make reasonable efforts to try to permanently cure any disputes with RateSpy.com within thirty (30) days. Any dispute arising between you and RateSpy.com that cannot be resolved by discussion within a thirty (30) day time period from the written notice of any disputing party where the monetary amount in dispute is no more than TWENTY FIVE THOUSAND DOLLARS ($25,000.00) shall be resolved by commencing a legal action at the Small Claims Court of Ontario. If you and RateSpy.com are not able to resolve the dispute in a mutually-agreeable manner within a thirty (30) day time period, and the monetary threshold exceeds TWENTY FIVE THOUSAND DOLLARS ($25,000.00) either party may refer the dispute to binding arbitration as mutually agreed to between the parties.



8.1      These terms of use are governed by Ontario law. Any dispute arising in connection with these terms of use shall be subject to the exclusive jurisdiction of the province of Ontario.



RateSpy does not sell your personal data and shall never, under any circumstances, allow third parties to have access to it.

It is kept hidden and secure and is used for two purposes only:

1)  To send you the rate-related information you specifically request or indicate a preference for, including but not limited to RateSpy newsletters and RateSpy rate alerts. (You can unsubscribe at any time.)

2)  To create anonymous aggregate market data for reporting to consumers–such as you–and businesses. (Example: If you live in Ontario and search for 5-year fixed rates, we’ll anonymously count your search along with all the other 5-year fixed rate searches in Ontario in order to determine how popular 5-year fixed rate searches are in Ontario.)

In short, your data is your data and we consider it highly classified.

For additional information related to privacy, or to ask a question, contact us.


RateSpy is a registered trademark of McLister Enterprises Inc. and used under license.