Effective Date: January 1, 2026
1. Acceptance of Terms
By accessing and using Interest Rate Today ("the Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.
2. Description of Service
Interest Rate Today provides:
- Real-time and historical interest rate information
- Interactive charts and visualizations
- Financial calculators (including a mortgage calculator)
- Educational content about interest rates and financial markets
All services are provided on an "as is" and "as available" basis.
3. No Financial Advice
Important: Interest Rate Today is an informational resource only. We do not provide financial, investment, tax, or legal advice. The information on this Website should not be construed as professional advice or a recommendation to buy, sell, or hold any financial product.
You should consult with a qualified financial advisor, attorney, or other professional before making any financial decisions based on information from this Website.
4. Accuracy of Information
While we strive to provide accurate and up-to-date information:
- Interest rates shown may not reflect current real-time market conditions
- Data may be delayed or contain errors
- Rates displayed are for informational purposes only
- Actual rates you may qualify for may differ significantly
We make no warranties or representations about the accuracy, completeness, or timeliness of the information provided.
5. Use of Calculators
Our mortgage calculator and other tools are provided for estimation purposes only. Results are based on the inputs you provide and standard formulas. Actual loan terms, payments, and costs may vary based on:
- Your credit score and financial situation
- Lender requirements and policies
- Property type and location
- Down payment amount
- Additional fees and costs not included in calculations
6. Third-Party Content and Links
The Website includes:
- TradingView widgets for charts and market data
- Links to external websites
We are not responsible for the content, accuracy, or practices of third-party websites or services. Use of third-party services is subject to their own terms and privacy policies.
7. Intellectual Property
The Website and its content, including text, graphics, logos, and design, are owned by Interest Rate Today or its licensors and are protected by copyright and other intellectual property laws.
You may not:
- Copy, reproduce, or redistribute content without permission
- Modify or create derivative works
- Use automated systems or software to extract data (scraping)
- Remove copyright or proprietary notices
8. Prohibited Uses
You agree not to:
- Use the Website for any unlawful purpose
- Attempt to gain unauthorized access to the Website or its systems
- Interfere with or disrupt the Website's operation
- Transmit viruses, malware, or harmful code
- Impersonate any person or entity
- Collect or harvest information about other users
9. Limitation of Liability
To the fullest extent permitted by law:
- Interest Rate Today and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website
- This includes damages for financial losses, lost profits, or business interruption
- We are not liable for decisions you make based on information from the Website
10. Disclaimer of Warranties
The Website is provided "as is" without warranties of any kind, either express or implied, including but not limited to:
- Merchantability
- Fitness for a particular purpose
- Non-infringement
- Accuracy or reliability of information
- Uninterrupted or error-free operation
11. Indemnification
You agree to indemnify and hold harmless Interest Rate Today, its operators, affiliates, and partners from any claims, damages, losses, or expenses (including legal fees) arising from:
- Your use of the Website
- Your violation of these Terms
- Your violation of any rights of another party
12. Changes to Service
We reserve the right to:
- Modify or discontinue the Website or any feature at any time
- Change these Terms at any time
- Restrict access to certain features or the entire Website
Continued use of the Website after changes constitutes acceptance of the modified Terms.
13. Termination
We may terminate or suspend your access to the Website immediately, without prior notice, for any reason, including violation of these Terms.
14. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction where Interest Rate Today operates, without regard to its conflict of law provisions.
15. Dispute Resolution
Any disputes arising from these Terms or your use of the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Interest Rate Today regarding use of the Website.
18. Contact Information
If you have questions about these Terms, please contact us at:
Email: legal@ramlabs.eu
Website: ramlabs.eu
19. Acknowledgment
By using Interest Rate Today, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Last updated: January 1, 2026