The following Disclaimers apply to your use of Prime Rate Hub’s website and services. These statements are intended to clarify the nature of our platform and limit our responsibilities. They are to be read in conjunction with the detailed Terms of Use and do not replace them. In the event of any conflict between these Disclaimers and the Terms of Use, the Terms of Use will prevail.
- General Information Only: The content provided on the Prime Rate Hub website is for general informational purposes. While we strive to offer accurate and current information regarding mortgage rates, products, and the home financing process, nothing on this site constitutes professional financial advice or an offer to enter into any agreement. You should not make financial decisions solely based on information from our website. Always consider your personal circumstances and, if needed, consult with a qualified financial advisor or mortgage consultant before making any major financial commitments.
- No Financial Advice or Client Relationship: Using our platform or speaking with our representatives does not establish a client-advisor relationship in the legal sense. Any guidance or suggestions we provide are part of our customer service and should be interpreted as general support. We do not provide personalized financial planning or legal advice. You are responsible for your own decisions, and you should obtain independent professional advice tailored to your situation when necessary.
- Accuracy and Currency of Information: Prime Rate Hub works to keep all information (such as interest rates, qualification criteria, and product details) up to date. However, we cannot guarantee that all information on our site is correct, complete, or current at all times. Mortgage rates and terms are subject to change by lenders without notice, and there may be a time lag before our platform reflects new information. All examples, calculators, articles, and tools on the site are provided to help you understand general scenarios. They may not reflect real-time conditions or your specific circumstances. We disclaim any liability for errors or omissions in the content, and you should verify critical information (especially interest rates and eligibility requirements) directly with the relevant bank or lender.
- No Guarantee of Qualification or Approval: Prime Rate Hub is not a lender and does not guarantee that you will be eligible for or approved for a mortgage loan. Any pre-qualification estimates or “approval odds” shown on our site are for illustrative purposes only and are not a promise or guarantee. Final loan approval is determined solely by the lending institution after you submit a complete application and it undergoes their underwriting process. All loans are subject to the lender’s review of your credit history, income, assets, outstanding debts, property details, and other factors. Additionally, lenders may have their own terms, conditions, fees, and guidelines that are beyond our control.
- Subject to Lender Terms and Conditions: Any mortgage product details or rate quotes you receive via Prime Rate Hub are subject to change and non-binding. Lenders can modify their rates, fees, and approval criteria based on market conditions and internal policies, even after you have received initial information or submitted an application. For example, interest rates might increase or decrease, or a particular mortgage offer may be withdrawn by a bank without prior notice. Your eventual loan agreement (if you choose to proceed with one of the offers) will be with the lender and will be governed by the terms and conditions of that lender, which you must review and agree to separately. We encourage you to carefully read all offer documents and loan agreements from lenders before acceptance.
- No Endorsement of Third Parties: References or links to any third-party products, services, or websites on Prime Rate Hub do not constitute or imply an endorsement, sponsorship, or recommendation by us. The inclusion of any company or lender on our platform is based on our attempt to present a range of market options, but we do not endorse one lender over another. You should evaluate products and services of third parties based on your own criteria and judgment. We are not responsible for the actions, products, or services of any third-party companies, including any lender to whom you are introduced. Any disputes or issues that arise from dealings with third parties (for example, a disagreement over loan terms or customer service at a bank) are strictly between you and that party.
- Limitation of Liability (Use at Your Own Risk): Your use of the Prime Rate Hub website and services is at your own risk. Prime Rate Hub, its owners, and its employees shall not be held liable for any loss or damage arising directly or indirectly from your use of this platform or reliance on any information provided herein. This includes, without limitation, financial losses, lost opportunities, costs, or damages of any kind (whether in contract, tort, or otherwise) resulting from: the use of or inability to use the website; inaccuracies or omissions in the content; delays or failures in obtaining mortgage approval; or any other use of our platform. We provide our service “as is” and do not guarantee that it will meet all your expectations or requirements. In all cases, our liability is limited as described in the Terms of Use, and we will not be liable for any amount exceeding what is allowed by law.
- Regulatory Compliance: Prime Rate Hub operates in compliance with the laws and regulations of the United Arab Emirates, including relevant consumer protection and data protection laws. However, nothing in our website content is to be construed as an assurance of compliance on behalf of third-party lenders or other entities. Each lender is responsible for their own regulatory compliance. Additionally, if you are accessing our services from a jurisdiction outside the UAE, note that we make no representation that our services are available or lawful in your location. You are responsible for compliance with your local laws.
- Updates to Disclaimers: We may update these Disclaimers from time to time to address new issues or changes in our services or legal requirements. Updated disclaimers will be posted on this page with a new effective date. It is your responsibility to review this section periodically. Continued use of the Site after updates signifies your acceptance of the changes.
Contact: If you have any questions about these Disclaimers or any concerns about the accuracy of information on our Site, please contact us at info@primeratehub.com. We welcome feedback and will do our best to address any issues within our capacity.
By using Prime Rate Hub’s website and services, you acknowledge that you have read, understood, and agreed to the above Privacy Policy, Terms of Use, and Disclaimers.