Terms of Service

Effective Date: June 3, 2025

Welcome to https://ratecraft.com, operated by RateCraft, located at 6965 El Camino Real, Suite 105-587, Carlsbad, CA 92009 (“RateCraft,” “we,” “our,” or “us”).

By accessing or using our website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the website.

1. Use of Website

This site provides information about our insurance cost-reduction services, including the C.L.E.A.R. Audit System™. You may use the site only for lawful purposes and in accordance with these Terms.

You agree not to:

Misuse or interfere with the website's operation
Attempt unauthorized access to systems or data
Use the website to defame, harass, or violate the rights of others

We reserve the right to suspend or terminate access for violations of these terms.

2. No Legal or Insurance Advice

All content on this site is provided for informational purposes only. It is not legal, insurance, or financial advice. Decisions regarding insurance programs should be made in consultation with licensed professionals.

3. Intellectual Property

All content on this site—including text, graphics, logos, trademarks, and service marks—is the property of RateCraft or its licensors and is protected by U.S. and international copyright and trademark laws.

You may not reproduce, distribute, or exploit any site content without our express written permission.

4. Disclaimers

We make no guarantees regarding the completeness, accuracy, or timeliness of any content on this site. Use of this website is at your own risk.

The website is provided “as is” and “as available,” without warranties of any kind, either express or implied.

5. Limitation of Liability

To the maximum extent allowed by law, RateCraft and its officers, employees, or agents will not be liable for any direct, indirect, incidental, or consequential damages arising out of or related to your use of the website.

6. Indemnification

You agree to defend, indemnify, and hold harmless RateCraft from any claims, liabilities, damages, losses, or expenses—including attorneys’ fees—arising from your use of the website or violation of these Terms.

7. Governing Law

These Terms are governed by the laws of the State of California. Any disputes arising from or related to these Terms will be resolved in the state or federal courts located in San Diego County, California.

8. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a new “Effective Date.” Your continued use of the website after changes means you accept those changes.

9. Contact Us

For questions about these Terms, please contact us at:

Email: info@ratecraft.com
Phone: 1-888-632-9900
Mailing Address:
RateCraft
6965 El Camino Real, Suite 105-587
Carlsbad, CA 92009