Welcome to BankRateInsider ("we," "us," "our," or the "Company"). These Terms & Conditions ("Terms") govern your access to and use of our website located at www.bankrateinsider.com (the "Site"), including all content, features, tools, and services offered through the Site.
By accessing or using BankRateInsider, you agree to be bound by these Terms. If you do not agree to all of these Terms, you must not access or use the Site. Please read these Terms carefully before using our services.
By using BankRateInsider, you represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding agreement. If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
We reserve the right to modify, update, or replace these Terms at any time without prior notice. The most current version will be posted on this page with the "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You may not:
BankRateInsider does NOT provide financial, legal, tax, or investment advice. All content on this Site—including bank reviews, product comparisons, APY data, ratings, and editorial opinions—is for informational and educational purposes only. It is not intended to be a substitute for professional financial advice from a qualified advisor, broker, or planner.
Any decisions you make regarding bank accounts, savings products, CDs, loans, credit cards, or other financial instruments are solely your responsibility. You should consult with a licensed financial professional before making any significant financial decisions. Past performance does not guarantee future results, and interest rates, APYs, and fees are subject to change without notice.
BankRateInsider participates in various affiliate marketing programs, including but not limited to:
This means that when you click on certain links on our Site and open an account, purchase a product, or take an action with a third-party financial institution, we may receive a commission, referral fee, or other compensation at no additional cost to you. These affiliate relationships do not influence our reviews, rankings, or recommendations. We strive to maintain editorial independence and transparency in all our content.
For more information, please see our full Disclaimer page.
As a user of BankRateInsider, you agree to:
All content on BankRateInsider, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, software, and the compilation of all content (the "Content"), is the property of BankRateInsider or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
Trademarks: "BankRateInsider," the BankRateInsider logo, and all related names, logos, product and service names, designs, and slogans are trademarks of BankRateInsider. You may not use such marks without our prior written permission.
You may view, download, and print a single copy of pages from the Site for your personal, non-commercial use only, provided you do not remove any copyright or proprietary notices. Any other use, including reproduction, modification, distribution, transmission, republication, display, or performance of the Content, is strictly prohibited without our prior written consent.
We strive to ensure that all information on BankRateInsider, including bank rates, APYs, fees, terms, and account details, is accurate and up-to-date. However, financial products and rates change frequently, and we cannot guarantee that all information is current, complete, or error-free.
We strongly encourage you to verify all information—including interest rates, fees, minimum deposit requirements, and terms—directly with the financial institution before opening any account or making any financial decision. BankRateInsider is not responsible for any errors, omissions, or outdated information on the Site.
The Site may contain links to third-party websites, advertisers, services, or resources ("Third-Party Links"). These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, privacy policies, or practices of any third-party websites.
If you access any third-party website through a link on our Site, you do so at your own risk. You should review the terms and privacy policies of any third-party website you visit. We are not liable for any loss or damage arising from your interactions with third-party websites or advertisers.
To the fullest extent permitted by applicable law, in no event shall BankRateInsider, its owners, directors, employees, agents, affiliates, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, arising out of or related to:
In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, our liability shall be limited to the maximum extent permitted by law. In any event, our total aggregate liability to you for all claims arising out of these Terms shall not exceed $100 USD.
You agree to indemnify, defend, and hold harmless BankRateInsider and its respective officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
We reserve the right, in our sole discretion, to suspend or terminate your access to the Site, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Site will cease immediately. The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, indemnification, and limitation of liability.
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 principles. Any dispute arising under or in connection with these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in New York County, New York. You hereby irrevocably consent to the personal jurisdiction and venue of such courts.
Informal Dispute Resolution: Before filing a claim against BankRateInsider, you agree to first contact us at legal@bankrateinsider.com to attempt to resolve the dispute informally. If the dispute cannot be resolved within 60 days, either party may initiate formal proceedings.
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. The waiver of any right or provision will be effective only if in writing and signed by an authorized representative of BankRateInsider.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect and enforceable.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and BankRateInsider regarding your use of the Site and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter herein.
If you have any questions about these Terms & Conditions, please contact us at:
BankRateInsider Legal Department
Email: legal@bankrateinsider.com
Address: 123 Financial District, Suite 400, New York, NY 10005
Phone: (800) 555-0198