Last updated: 12/16/2025
By accessing, subscribing to, or using this newsletter, website, or any related services (collectively, the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, do not use or subscribe to the Service.
We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.
The Service consists of a subscription-based newsletter that provides content such as APY rankings, commentary, insights, data, opinions, or other informational material. Content may be delivered via email, web access, or other digital formats.
We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.
You must be at least 18 years old, or the age of majority in your jurisdiction, to subscribe. By using the Service, you represent and warrant that you meet this requirement.
Subscription plans, pricing, billing frequency, and features are described at the point of purchase and may change from time to time.
Subscriptions are billed in advance on a recurring basis (e.g., monthly or annually) unless otherwise stated. You authorize us to charge your selected payment method for all applicable fees, taxes, and renewals.
Unless you cancel before the end of the current billing period, your subscription will automatically renew at the then-current rate.
You may cancel your subscription at any time through your account settings or as otherwise instructed. Cancellation will take effect at the end of the current billing period. No partial refunds are provided for unused time.
All payments for monthly subscribers are non-refundable. As an annual plan subscriber if you cancel your plan before the end of the 12-month time frame, RateRooster will issue you a prorated refund based on the number of unused months left in your plan at a rate of $450/month (e.g. if you cancel during the 10th month of your annual plan, you will receive a 2-month refund worth $900, or 2-months @ $450/each).
All content provided through the Service, including text, graphics, logos, trademarks, data, and original analysis ("Content"), is owned by or licensed to us and is protected by intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Content for your personal, non-commercial use only.
You may not copy, reproduce, distribute, sell, sublicense, modify, create derivative works from, or publicly display the Content without prior written consent.
You agree not to:
We reserve the right to suspend or terminate access for violations of this section.
If account registration is required, you are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
You agree to provide accurate and current information and to promptly update it as needed.
The Content is provided for general informational purposes only. The newsletter aggregates publicly available information regarding annual percentage yields (APYs) and related bank deposit product details.
While we make reasonable efforts to ensure accuracy, financial institutions may change rates or terms at any time, and information may become outdated or contain errors. We do not guarantee that any APY or related information is current, complete, or accurate at the time you receive it.
You are solely responsible for verifying all rates, terms, and product details directly with the relevant financial institution before making any decision. Nothing in the Service should be interpreted as financial, investment, or banking advice.
The Service may contain links to third-party websites, tools, or services. We do not control and are not responsible for the content, policies, or practices of third parties. Accessing third-party services is at your own risk.
THE SERVICE AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." We make no warranties, express or implied, including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee that the Service will be uninterrupted, error-free, or secure.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify, defend, and hold harmless the business, its owners, officers, employees, contractors, and affiliates from any claims, liabilities, damages, losses, and expenses arising out of your use of the Service or violation of these Terms.
We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we reasonably believe violates these Terms or is harmful to the Service or other users.
Upon termination, your right to access the Content will immediately cease.
Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Massachusetts, without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located within the State of Massachusetts, and you consent to the personal jurisdiction of those courts.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
These Terms constitute the entire agreement between you and us regarding the Service and supersede any prior agreements or understandings.
For questions about these Terms, please contact us by email: support@raterooster.io