Welcome to Direct Rate, LLC’s Website! Your access to and use of this Website and any services provided by Direct Rate, LLC, a Texas limited liability company (“Direct Rate”), are subject to these Terms of Use. Please review these Terms of Use carefully before using this Website. By accessing or using this Website, including any services offered herein, you agree to comply with these Terms of Use. Whether you engage in transactions with Direct Rate through this Website or by other means such as telephone, email, fax, postal mail, or similar channels, these Terms of Use govern your relationship with Direct Rate.

If you do not agree to these Terms of Use, you may not use this Website or any services provided by Direct Rate through this Website. Direct Rate reserves the right to deny access to this Website or its services in its sole discretion and without prior notice.

Direct Rate’s licensing information is incorporated into these Terms of Use by reference.

By accessing and using this Website, you acknowledge that you have read, understood, and agreed to the disclosures and consents required under certain state laws.


Direct Rate endeavors to provide accurate and current information on this Website. However, the information may not always be complete, accurate, or current, and may contain typographical errors or technical inaccuracies. Direct Rate reserves the right to change the content, products, and services offered on this Website at any time without notice. Terms, conditions, and eligibility criteria may also change, and not all products and services may be available in every location. The information provided on this Website is for informational purposes only and does not constitute advice. You are responsible for verifying all information before relying on it, and your use of this information is at your own risk.


This Website may contain links to other websites for your convenience. Direct Rate does not endorse, control, or sponsor the content or policies of these linked sites unless expressly stated otherwise. Direct Rate is not responsible for the content, products, privacy policies, or security of these linked sites. Your use of linked sites is subject to their terms and policies.


The information and materials on this Website are provided “as is” and “as available” without warranties of any kind. Direct Rate does not warrant the accuracy, completeness, or reliability of this information and materials. Direct Rate does not endorse products or services on linked sites.


Direct Rate is not liable for any damages arising from your use or inability to use this Website or its services. This includes direct, indirect, special, incidental, or consequential damages, losses, or expenses, even if Direct Rate has been advised of the possibility of such damages.


You agree to indemnify and hold harmless Direct Rate, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, liabilities, suits, expenses, costs, or proceedings arising from your violation of these Terms of Use or misuse of this Website.


You agree not to use this Website for any unlawful or prohibited purposes.


You are prohibited from attempting to violate the security of this Website.


The content on this Website is protected by copyright laws. You may not use, copy, or distribute this content without permission.


By using this Website, you consent to Direct Rate recording and monitoring communications.


Direct Rate values your privacy. Please review the Direct Rate Privacy Policy.


Direct Rate may modify these Terms of Use at any time. These Terms of Use are governed by the laws of the State of Texas.


For questions about these Terms of Use, contact Direct Rate at CustomerService@DirectRateUSA.com.