Terms of Service

Agreement to these terms

These Terms of Service ("Terms") are a binding agreement between you and Rev Edge AI LLC. By accessing our websites, submitting any form, or communicating with us, you agree to these Terms and to our Privacy Policy, which is incorporated here by reference. If you do not agree, do not use our services.

These Terms contain an arbitration agreement and a class action waiver that affect how disputes between us are resolved. Please read that section carefully. It includes a right to opt out.

Who we are and what this covers

Rev Edge AI LLC ("Rev Edge AI," "we," "us," or "our") is an Illinois limited liability company located at 205 N Michigan Avenue, STE 810A, Chicago, IL 60601. These Terms apply to all websites, landing pages, forms, and messaging programs we operate, including:

• RateScout — our consumer-facing service that connects consumers with licensed mortgage professionals and, separately, with home services contractors.
• Rev Edge Media — our business-facing service that provides lead generation and marketing services to lenders, brokers, and contractors.

Where a section applies only to consumers or only to business clients, it says so.

What our service is — and is not

RateScout is an advertising and referral service. When you submit a request, we forward it to one or more independent third-party businesses so they can contact you about it. That is the entire service.

We do not make loans, take loan applications, underwrite, approve or deny credit, set or quote interest rates or loan terms, negotiate loan terms, order appraisals, or perform any construction, repair, heating, cooling, or ventilation work.

Nothing on our websites is an offer or commitment to lend, an approval, a pre-approval, a pre-qualification, or a promise that you will be contacted by anyone, that you will receive any offer, or that you will qualify for any product. Any rate, term, fee, or program information you receive comes from a lender directly, is subject to that lender's underwriting and verification, and is subject to change.

Submitting a form on our website does not constitute an application for credit.

Eligibility and age

You must be at least 18 years of age to use our websites, submit any form, request a quote or proposal, enter into any agreement with us, or opt in to receive text messages from us. By using our websites or submitting any form, you represent and warrant that you are at least 18 years old and legally able to enter into a binding contract. If you are submitting information on behalf of a business, you further represent that you are authorized to bind that business.

We do not knowingly collect information from, or send text messages to, anyone under 18. If we learn we have collected information from a person under 18, we will delete it and remove the associated phone number from all messaging programs. If you believe a minor has provided us with information, contact [email protected].

Submitting a request

When you complete and submit a form on one of our consumer websites:

• You are asking us to share your request with businesses that may be able to help with it.
• We may share your request with one or more lenders, brokers, or contractors. We do not guarantee how many will receive it, how many will contact you, how quickly they will do so, or that any will contact you at all.
• We may verify, de-duplicate, validate, or reject your submission, and we may decline to forward a request for any lawful reason, including where we have no participating business serving your area or handling your request type.
• You are not obligated to work with anyone who contacts you, and no one is obligated to offer you anything.

Unless we tell you otherwise in writing, requests are shared on a per-request basis. We do not promise that any business has exclusive rights to a geographic area, and we do not promise that a given request will be sent to only one business.

The information you submit must be yours, and it must be accurate

You also agree that the information you provide is true, accurate, and complete to the best of your knowledge, and that you are the owner of the property described in your request, a prospective purchaser of it, or otherwise authorized to seek financing or services for it. You agree to keep your information current by telling us of any change.

Any credit score range you select is your own estimate. You acknowledge that we do not verify it, do not obtain your credit report, do not obtain a credit score, and do not perform any credit inquiry, and that the range you provide has no bearing on whether any lender will extend credit to you.

We may refuse, suspend, or remove any submission we believe to be false, fraudulent, automated, duplicative, or submitted without the consent of the person identified.

How you may be contacted

Separate consents are presented on our forms, each of which is optional and none of which is a condition of using our service or of obtaining any product or credit:

• Referral consent. By submitting a form, you consent to be contacted about your request by us and by the lenders, brokers, or contractors we share it with, at the telephone number and email address you provided, including by automatic telephone dialing system, artificial or prerecorded voice, and text message, and including at a number on a state or federal Do Not Call registry.
• Text messaging consent. Presented as separate checkboxes for non-marketing and marketing messages from us. See SMS text messaging program.

How to stop contact from us: reply STOP to any text message, use the unsubscribe link in any email, or email [email protected] to be added to our internal Do Not Call list. To stop future referrals entirely, email [email protected] with the subject line "Do Not Sell or Share."

How to stop contact from a lender or contractor: you must ask that company directly. An opt-out you send us applies to us. We cannot withdraw consent on your behalf with a third party, and we cannot retrieve information already delivered to them.

No fee to you, and how we are paid

Consumers pay us nothing. We do not charge consumers any fee, application charge, or cost of any kind for submitting a request or being connected with a business.

We are compensated by the lenders, brokers, and contractors who participate in our network, who pay us for marketing and advertising services. That compensation may influence which businesses participate, which businesses receive your request, and the order in which they are presented. We do not present our network as a complete survey of the market, and we do not represent that any business we connect you with offers the best available terms.

Any fees, closing costs, points, or charges associated with a loan or service are set by the lender or contractor, disclosed by them, and paid to them — not to us.

We do not give financial, legal, or tax advice

Information on our websites is general and for informational purposes only. It is not financial advice, mortgage advice, investment advice, legal advice, tax advice, or a recommendation that any particular product, program, or transaction is suitable for you. We are not your fiduciary, broker, or advisor. Consult a licensed professional before making a financial decision.

Independent lenders and contractors

Every lender, broker, loan originator, and contractor you may be connected with is an independent third party. They are not our agents, employees, or partners, and we do not control them.

We do not guarantee, warrant, endorse, or assume responsibility for:

• their licensing, registration, bonding, or insurance status at any given moment;
• their rates, fees, terms, programs, pricing, or availability;
• their underwriting, approval, or denial decisions;
• the quality, timeliness, safety, or workmanship of any service they perform;
• their marketing, calling, or messaging practices; or
• their compliance with any law, including consumer protection, telemarketing, lending, and licensing law.

Any transaction, agreement, or dispute between you and one of these businesses is solely between you and them. We are not a party to it and have no liability arising from it. We encourage you to verify a company's license independently before engaging them — mortgage licensing can be checked through the NMLS Consumer Access database, and contractor licensing through your state or local licensing authority.

A list of businesses currently participating in our network is available on request by emailing [email protected].

Fair lending and equal housing

Rev Edge AI LLC supports the Fair Housing Act and the Equal Credit Opportunity Act. We do not collect, request, infer, or use race, color, religion, national origin, sex, sexual orientation, gender identity, marital status, familial status, disability, age, or receipt of public assistance income, and we do not use any such characteristic or proxy for one in deciding whether to accept a request or where to route it. Requests are routed based on the location of the property, the type of request, and business availability.

We make no credit decisions. If you believe a lender or contractor you were connected with has discriminated against you, you may file a complaint with the Consumer Financial Protection Bureau or the U.S. Department of Housing and Urban Development. We would also ask you to tell us at [email protected].

SMS text messaging program

Rev Edge AI LLC operates text messaging programs under the RateScout and Rev Edge Media brands. By checking a text messaging consent box on one of our forms and submitting that form, you agree to the terms in this section.

Programs and use cases

Each program offers a non-marketing (transactional) consent and a marketing consent, given independently:

• RateScout — Mortgage. Non-marketing: messages about your mortgage quote request, lender matching, and appointment scheduling. Marketing: loan program updates, market news, offers, and similar promotional messages.
• RateScout — Home Services. Non-marketing: messages about your quote request, contractor matching, and appointment scheduling. Marketing: special offers, discounts, seasonal maintenance reminders, and similar promotional messages.
• Rev Edge Media. Non-marketing: messages about your lead package inquiry, account and campaign updates, scheduling, and billing. Marketing: special offers, discounts, new product updates, and similar promotional messages.

How to opt in

You opt in by checking the applicable consent box on one of our web forms and submitting the form. Consent boxes are never pre-checked, and consent to receive text messages is never a condition of purchase or of receiving any product, quote, proposal, or service from us.

How to opt out — text STOP

Help and support

For help, reply HELP to any message, email [email protected], or write to Rev Edge AI LLC, 205 N Michigan Avenue, STE 810A, Chicago, IL 60601.

Frequency, rates, and delivery

Message frequency varies. Message and data rates may apply. Any charges are billed by and payable to your mobile service provider, and you are solely responsible for them. Carriers are not liable for delayed or undelivered messages. Delivery depends on transmission by your mobile carrier and is outside our control; we do not guarantee that any message will be delivered.

Mobile information sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Where we forward your request to a lender, broker, or contractor, that referral is made under the separate referral consent presented on the form, and the text messaging opt-in and consent record are never included in that transfer. See our Privacy Policy for full details.

Terms for business clients

This section applies to lenders, brokers, contractors, and other businesses that purchase lead generation or marketing services from Rev Edge Media. It does not apply to consumers.

If you have signed a separate master services agreement, insertion order, or lead purchase agreement with us, that agreement controls where it conflicts with these Terms. These Terms supplement it.

What you are buying

You are purchasing marketing and advertising services that result in the delivery of consumer inquiries ("Leads"). You are not purchasing a guaranteed volume, a guaranteed conversion rate, a guaranteed contact rate, or any outcome. Consumer behavior is outside our control. Unless your written agreement expressly grants territorial exclusivity, Leads are delivered on a per-Lead basis and no geographic exclusivity is granted or implied.

Compensation structure

Your compliance obligations

You represent, warrant, and covenant that you will, at your own expense:

• hold and maintain every license, registration, bond, and insurance required to conduct your business and to contact and transact with consumers in each state in which you accept Leads, and provide evidence of the same on request;
• comply with all applicable law in contacting Leads, including the Telephone Consumer Protection Act and its implementing rules, state telemarketing and mini-TCPA statutes, the CAN-SPAM Act, and all applicable Do Not Call requirements, and maintain your own internal Do Not Call list;
• comply with all applicable advertising and lending law, including the Mortgage Acts and Practices Rule, the Truth in Lending Act and Regulation Z, the Equal Credit Opportunity Act, the Fair Housing Act, and the Fair Credit Reporting Act;
• use Leads solely to contact the consumer about the request they submitted, and honor promptly any request by a consumer to stop being contacted;
• not resell, transfer, syndicate, re-market, or otherwise disclose any Lead to any other party; and
• maintain reasonable safeguards for consumer information you receive, consistent with your obligations under the Gramm-Leach-Bliley Act and applicable state law.

You may not use Leads or any data we provide as a consumer report, or for any purpose regulated by the Fair Credit Reporting Act, including determining eligibility for credit, insurance, or employment. Information we transmit is self-reported by the consumer and unverified.

Lead verification and replacement

Leads that fail our stated delivery criteria may be eligible for credit or replacement under the process and time limits set out in your written agreement with us. Replacement requests are subject to verification. Dissatisfaction with a consumer's responsiveness, credit profile, timeline, or decision not to proceed is not a basis for replacement.

Fees and payment

Fees, billing cycles, and payment terms are as set out in your written agreement or invoice. Amounts are non-refundable except as expressly provided there. We may suspend delivery for non-payment.

Indemnity by business clients

You will defend, indemnify, and hold harmless Rev Edge AI LLC and its officers, members, employees, and agents from any claim, demand, penalty, or proceeding, including reasonable attorneys' fees, arising out of your contact with or treatment of any consumer, your marketing or messaging practices, your licensing status, or your breach of this section.

Acceptable use

You agree not to, and not to permit others to:

• submit false, fraudulent, automated, or duplicative requests, or contact information belonging to another person without their consent;
• use our websites for any unlawful purpose or in violation of any applicable law;
• scrape, harvest, crawl, or otherwise extract data from our websites by automated means;
• copy, sell, rent, lease, sublicense, distribute, host, or otherwise commercially exploit our websites or their content;
• modify, make derivative works of, disassemble, decrypt, reverse compile, or reverse engineer any part of our websites;
• remove, alter, or obscure any proprietary notice, including any copyright or trademark notice;
• interfere with, disrupt, overload, or attempt to gain unauthorized access to our websites, servers, or networks; or
• introduce any virus, malware, or other harmful code.

We may investigate suspected violations and take any action we consider appropriate, including blocking access, refusing service, and reporting the matter to law enforcement.

Intellectual property

Our websites and their contents — including text, graphics, logos, images, software, and the selection and arrangement of all of it — are owned by Rev Edge AI LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. "RateScout" and "Rev Edge Media" are our marks. Nothing in these Terms grants you any license to use them.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and view our websites for your own personal, non-commercial use. Any other use requires our prior written permission.

Feedback and submissions

If you send us feedback, comments, ideas, or suggestions about our services ("Feedback"), you agree that we may use it for any purpose without obligation, credit, or compensation to you, and that Feedback is not confidential.

Third-party services and links

Our websites may contain links to, or content from, websites and services we do not operate or control. We are not responsible for their content, accuracy, availability, security, legality, or privacy practices, and a link is not an endorsement. Your use of any third-party website or service is at your own risk and subject to that party's own terms and privacy policy.

Copyright infringement notice

If you are a copyright owner or an owner's agent and believe material on our websites infringes your copyright, send a written notice to [email protected] containing:

• a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
• identification of the copyrighted work claimed to be infringed;
• identification of the material claimed to be infringing and its location on our site, in sufficient detail for us to find it;
• your contact information, including address, telephone number, and email address;
• a statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law; and
• a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

We may remove or disable access to material claimed to be infringing and may terminate access for repeat infringers.

Term and termination

These Terms apply whenever you use our websites. We may suspend, restrict, or terminate your access to our websites and services at any time, with or without notice, for any lawful reason, including breach of these Terms. You may stop using our services at any time.

Sections that by their nature should survive termination will survive, including disclaimers of advice, intellectual property, disclaimer of warranties, limitation of liability, indemnification, dispute resolution, and governing law.

We may modify, suspend, or discontinue any part of our websites or services at any time without liability to you.

Disclaimer of warranties

Our websites and services are provided "as is" and "as available," with all faults and without warranty of any kind. To the maximum extent permitted by law, Rev Edge AI LLC, on its own behalf and on behalf of its licensors and service providers, disclaims all warranties, express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

We make no warranty that our websites will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that our websites are free of viruses or other harmful components; or that any information on them is accurate, complete, reliable, or current. We make no warranty regarding any lender, broker, or contractor, or regarding any product, service, rate, term, or offer you may receive from them.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.

Limitation of liability

To the maximum extent permitted by law, in no event will Rev Edge AI LLC or its members, officers, employees, agents, licensors, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, loss of goodwill, business interruption, personal injury, or loss of privacy, arising out of or related to your use of or inability to use our websites or services, or to any dealing with any lender, broker, or contractor, even if advised of the possibility of such damages and even if a limited remedy fails of its essential purpose.

Our total aggregate liability for all claims arising out of or related to these Terms or our services will not exceed the greater of (a) the total amount you paid us in the twelve months before the event giving rise to the claim, or (b) one hundred United States dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless Rev Edge AI LLC and its members, officers, employees, and agents from any claim, demand, loss, liability, penalty, or expense, including reasonable attorneys' fees, arising out of or related to:

• your use of our websites or services;
• your breach of these Terms or violation of any law;
• your violation of the rights of any third party; and
• your submission of any telephone number, email address, or other contact information that does not belong to you or that you were not authorized to provide, including any claim brought under the Telephone Consumer Protection Act or any state telemarketing or messaging law by the person to whom that information belongs.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, at your expense, and you agree to cooperate with our defense.

Dispute resolution and arbitration

Please read this section carefully. It requires you to arbitrate disputes with us individually rather than in court, and it waives your right to a jury trial and to participate in a class action. It includes a right to opt out.

Informal resolution first

Before starting arbitration, the party raising a dispute must send the other a written Notice of Dispute describing the party's name, address, and contact information, the facts giving rise to the dispute, and the relief requested. You must send your Notice of Dispute to [email protected]. We will send ours to the mailing or email address we have for you. The parties will attempt in good faith to resolve the dispute informally for sixty (60) days from the date the notice is sent. Either party may begin arbitration after that period.

Agreement to arbitrate

Except as stated below, any dispute, claim, or controversy between you and Rev Edge AI LLC arising out of or relating to these Terms, our websites, or our services — whether based in contract, tort, statute, regulation, or any other legal theory, and whether arising before or after termination of these Terms — will be resolved by binding individual arbitration rather than in court. "Dispute" is given the broadest meaning permitted by law.

Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules where you are a consumer, or its Commercial Arbitration Rules where you are a business client. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction. This agreement to arbitrate is governed by the Federal Arbitration Act.

What is excluded from arbitration

• Small claims. Either party may bring an individual claim in small claims court if it qualifies and remains there.
• Intellectual property. Either party may seek injunctive or equitable relief in court regarding the enforcement or validity of its intellectual property rights.
• Interim relief. Either party may seek interim or preliminary injunctive relief from a court of competent jurisdiction to protect its rights or property pending arbitration.
• Any claim that cannot be arbitrated as a matter of law, and any right to bring a public injunctive relief claim to the extent it cannot be waived.

Location and costs

Arbitration with a consumer will take place in the county where you reside, or in Cook County, Illinois, at your election, or by telephone or video conference or on documents only where the AAA rules allow. We will pay all AAA filing, administration, and arbitrator fees for consumer arbitrations to the extent those fees exceed what you would pay to file the same claim in court, except that the arbitrator may reallocate fees if a claim is found frivolous. Each party otherwise bears its own attorneys' fees, unless a statute at issue provides for fee shifting, in which case the arbitrator may award fees as that statute allows.

Class action waiver

You and Rev Edge AI LLC agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, private attorney general, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim, that claim will be severed and heard in court, and the remainder of this arbitration section will continue to apply to all other claims.

Your right to opt out

Changes to this section

If we materially change this arbitration section after you first accept these Terms, you may reject the change by emailing [email protected] within 30 days of the change taking effect, in which case the most recent version you accepted will continue to apply between us.

Time limit on claims

To the extent permitted by applicable law, any claim arising out of or related to these Terms or our services must be brought within one (1) year after the claim accrues. Otherwise it is permanently barred.

Some states do not permit shortening a statutory limitations period. Where that is the case, this section does not apply to you and the applicable statutory period governs.

Governing law and venue

These Terms and any dispute arising from them are governed by the laws of the State of Illinois, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs the arbitration section. Nothing here deprives you of the protection of mandatory consumer protection law in your state of residence.

For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Cook County, Illinois, except where applicable law gives a consumer the right to bring a claim in their home jurisdiction.

We operate our services from our offices in Chicago, Illinois, United States. Our services are intended for use in the United States. We make no representation that our websites or services are appropriate or available in other locations, and those who access them from elsewhere do so on their own initiative and are responsible for compliance with local law.

Changes to these terms

We may modify these Terms at any time. If a change is material, we will post the updated Terms here with a new effective date and, where practical, provide at least 30 days' notice before it takes effect. Your continued use of our websites after the effective date means you accept the revised Terms. If you do not accept them, stop using our services. We retain prior versions and will provide one on request.

General provisions

Severability

If any provision of these Terms is held unenforceable or invalid, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions will continue in full force and effect.

Waiver

Except as expressly provided, a failure to exercise a right or to require performance of an obligation under these Terms does not affect a party's ability to exercise that right or require that performance later, and a waiver of one breach is not a waiver of any subsequent breach. No failure to exercise, and no delay in exercising, any right or power under these Terms operates as a waiver of that right or power. No single or partial exercise of any right precludes further exercise of that or any other right.

Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms without restriction, including to a successor in a merger, acquisition, or sale of assets.

No third-party beneficiaries

These Terms do not create any rights in favor of any person or entity other than you and Rev Edge AI LLC.

Force majeure

Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disaster, war, terrorism, labor dispute, utility or telecommunications failure, carrier outage, cyberattack, or governmental action.

Electronic communications

You consent to receive communications from us electronically, and you agree that electronic notices, disclosures, and agreements satisfy any legal requirement that they be in writing.

Entire agreement and headings

These Terms, together with our Privacy Policy and any written agreement you have signed with us, are the entire agreement between you and Rev Edge AI LLC concerning our services, and supersede all prior understandings on that subject. Section headings are for convenience only and have no legal effect.

Definitions

• Company / we / us / ourRev Edge AI LLC, an Illinois limited liability company located at 205 N Michigan Avenue, STE 810A, Chicago, IL 60601, together with the brands it operates, including RateScout and Rev Edge Media.
• CountryThe country in which Rev Edge AI LLC is organized and operates: the United States.
• ConsumerAn individual who submits a request through RateScout seeking to be connected with a lender, broker, or contractor.
• Business clientA lender, broker, contractor, or other business that purchases lead generation or marketing services from Rev Edge Media.
• LeadA consumer inquiry delivered to a business client under an agreement with us.
• WebsitesThe websites, landing pages, and forms operated by Rev Edge AI LLC under the RateScout and Rev Edge Media brands, and any successor or additional properties we operate.
• ServicesThe referral, matching, advertising, and lead generation services we provide through our websites.
• DeviceAny internet-connected device, such as a phone, tablet, or computer, used to access our websites.
• CookieA small piece of data stored on your device by your browser, used to identify your browser, provide analytics, and remember information about your visit.

Contact us

Questions about these Terms, or need to send a legal notice?