Terms of Use

Effective Date & Last Updated: March 26, 2026

IMPORTANT: THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND A CLASS ACTION WAIVER (SECTIONS 18–19). BY USING THIS SITE, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS. PLEASE READ THESE TERMS CAREFULLY BEFORE USING TAPLIX.

Welcome to RateTopic. These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “user”) and RateTopic (“we,” “us,” or “our”) governing your access to and use of the website located at ratetopic.com (the “Site”), including all content, features, and services offered on or through the Site.

Table of Contents

  1. Acceptance of Terms
  2. Description of Service
  3. Eligibility
  4. User Accounts and Submissions
  5. Editorial Content and Opinions
  6. Editorial Independence
  7. Affiliate Links Disclosure (FTC Compliance)
  8. Recommendation Liability Disclaimer
  9. Intellectual Property
  10. Permitted Use and Restrictions
  11. User-Generated Content
  12. DMCA / Copyright Takedown
  13. Privacy
  14. Third-Party Links and Services
  15. Disclaimer of Warranties
  16. Limitation of Liability
  17. Indemnification
  18. Binding Arbitration
  19. Class Action Waiver
  20. Governing Law
  21. Termination
  22. Changes to Terms
  23. Severability
  24. Entire Agreement
  25. Waiver
  26. Assignment
  27. Force Majeure
  28. Contact Information

1. Acceptance of Terms

By accessing, browsing, or using this Site in any manner—including but not limited to visiting the Site, reading content, subscribing to our newsletter, submitting a contact form, or clicking on any link—you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately cease all use of the Site. Your continued use of the Site following the posting of any changes to these Terms constitutes your acceptance of those changes. We recommend that you review these Terms periodically.

2. Description of Service

RateTopic is a digital media website that publishes editorial reviews, comparisons, recommendations, guides, and related content about mobile applications, software, digital tools, and technology products. Our services include, but are not limited to:

  • In-depth editorial reviews and ratings of apps, software, and digital tools.
  • Side-by-side comparisons and curated “best of” lists across various categories.
  • Technology guides, tutorials, and informational articles.
  • AI tool reviews, recommendations, and coverage of emerging technologies.
  • A newsletter service delivering updates, curated picks, and new content to subscribers.
  • A contact form for user inquiries, feedback, and press requests.

We reserve the right to modify, suspend, or discontinue any aspect of the Site or its services at any time, with or without notice, and without liability to you.

3. Eligibility

You must be at least 16 years of age to access and use this Site. By using the Site, you represent and warrant that you are at least 16 years old and have the legal capacity to enter into these Terms.

Certain features of the Site, including but not limited to newsletter subscriptions, contact form submissions, and any interactive features that may be introduced in the future, may require you to be at least 18 years of age or the age of majority in your jurisdiction, whichever is higher.

If you are under 18, you may use the Site only with the involvement and consent of a parent or legal guardian. If we learn that we have collected personal information from a child under 16 without parental consent, we will take steps to delete that information promptly.

4. User Accounts and Submissions

At this time, RateTopic does not require users to create accounts to access the Site. The primary ways users interact with us include:

  • Newsletter subscriptions: You may subscribe to our email newsletter by providing your email address. You can unsubscribe at any time using the link provided in each newsletter email.
  • Contact form: You may submit inquiries, feedback, or other communications through our contact form. Information submitted through the contact form is subject to our Privacy Policy.

Should we introduce user account functionality in the future, additional terms may apply and will be incorporated into these Terms or presented separately at the time of registration.

5. Editorial Content and Opinions

All reviews, ratings, opinions, scores, comparisons, and recommendations published on RateTopic represent the subjective opinions of our editorial team and contributors. You acknowledge and agree that:

  • Reviews and ratings reflect the subjective assessments of our editors and may not align with your personal experience or preferences.
  • Ratings and scores are based on our proprietary testing methodology, which evaluates factors such as usability, features, performance, value, and design at the time of review.
  • We do not guarantee the accuracy, completeness, timeliness, or reliability of any information published on the Site.
  • App features, pricing, availability, terms of service, and performance may change after the date of publication, and we are under no obligation to update previously published content.
  • All content on the Site is provided for informational and entertainment purposes only and does not constitute professional, legal, financial, medical, or any other form of specialized advice.
  • You should always conduct your own independent research and consult appropriate professionals before making decisions based on our content.

6. Editorial Independence

RateTopic is committed to maintaining the highest standards of editorial integrity. Our editorial policies are as follows:

  • Independence from advertising: Our editorial content is produced independently from any advertising, sponsorship, or affiliate relationships. Advertisers and affiliate partners have no influence over our editorial decisions, review scores, or content direction.
  • No pay-for-play: App developers, companies, and third parties cannot pay for, influence, or otherwise determine review scores, ratings, or editorial recommendations. We do not accept payment in exchange for favorable coverage.
  • Sponsored content labeling: In the event that any content on the Site is sponsored, paid for, or produced in collaboration with a third party, it will be clearly and conspicuously labeled as “Sponsored,” “Paid Partnership,” “Advertisement,” or similar designation.
  • Affiliate transparency: While we may earn commissions through affiliate links (see Section 7), these commissions do not influence our editorial decisions, rankings, or the products we choose to review.

7. Affiliate Links Disclosure (FTC Compliance)

In accordance with the Federal Trade Commission (“FTC”) guidelines under 16 CFR Part 255 (“Guides Concerning the Use of Endorsements and Testimonials in Advertising”), we make the following disclosures:

  • RateTopic participates in affiliate marketing programs. Some links on our Site are affiliate links, meaning we may earn a commission if you click on them and complete a qualifying action (such as a purchase, sign-up, or download).
  • Earning affiliate commissions does not affect the price you pay. The cost of any product or service remains the same whether you use our affiliate link or navigate to the seller directly.
  • Affiliate relationships do not influence our editorial content, recommendations, review scores, or the products we choose to feature. Our editorial team selects products based on merit and relevance to our audience.
  • We only recommend products and services that we genuinely believe provide value to our readers based on our testing and evaluation.
  • Affiliate commissions help support the operation of RateTopic and allow us to continue producing free, high-quality editorial content.
  • You are under no obligation to use our affiliate links. Non-affiliate alternatives may be available for the same products or services.

8. Recommendation Liability Disclaimer

You acknowledge and agree that:

  • RateTopic is not responsible for any purchases, downloads, subscriptions, or other transactions you make based on our reviews, recommendations, or content. All purchasing decisions are made at your own discretion and risk.
  • We do not guarantee the performance, safety, security, suitability, reliability, or quality of any app, tool, software, or service reviewed or mentioned on the Site.
  • You should always conduct your own independent research, read user reviews from multiple sources, and evaluate your specific needs before making any purchasing or downloading decisions.
  • We expressly disclaim all liability for third-party products, services, and content, including but not limited to any loss, damage, or harm resulting from your use of or reliance on any product or service reviewed on our Site.
  • Third-party products and services are governed by their own terms of service, privacy policies, and end-user license agreements, which you should review independently.

9. Intellectual Property

All content on this Site, including but not limited to text, articles, reviews, ratings, graphics, logos, trademarks, service marks, trade names, icons, images, photographs, illustrations, audio clips, video clips, digital downloads, data compilations, software, and the overall design and arrangement of the Site (collectively, “Site Content”), is the property of RateTopic or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The RateTopic name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of RateTopic. You may not use such marks without our prior written permission.

Third-party intellectual property: App names, logos, screenshots, trademarks, and other materials used in our reviews and editorial content belong to their respective owners. Our use of such materials is for editorial, informational, and commentary purposes and constitutes fair use under applicable copyright and trademark law (17 U.S.C. § 107). Such use does not imply endorsement by or affiliation with the respective trademark holders.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, or otherwise exploit any Site Content without our prior written consent, except as expressly permitted by these Terms.

10. Permitted Use and Restrictions

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes only, in accordance with these Terms. This license does not include:

  • Scraping and automated access: You may not use any robot, spider, crawler, scraper, or other automated means or interface to access the Site or extract data without our express written permission.
  • Data mining: You may not engage in data mining, data harvesting, data extraction, or any similar activity in relation to the Site or its content.
  • AI training: You may not use any content from the Site to train, develop, or improve any artificial intelligence, machine learning model, large language model, or similar technology without our prior written consent.
  • Framing and embedding: You may not frame, mirror, embed, or otherwise incorporate any portion of the Site into another website, application, or service without our express written permission.
  • Commercial use: You may not use the Site or its content for any commercial purpose, including but not limited to reselling, licensing, or distributing our content.
  • Interference: You may not take any action that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.
  • Circumvention: You may not attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site, whether through hacking, password mining, or any other means.
  • Misrepresentation: You may not impersonate or misrepresent your affiliation with any person or entity, including RateTopic.

11. User-Generated Content

When you submit content to RateTopic through our contact form, newsletter sign-up, email, or any other means (“User Content”), you agree to the following:

  • You grant RateTopic a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable right and license to use, reproduce, modify, adapt, publish, translate, distribute, and display your User Content in any media or format, whether now known or hereafter developed, for any purpose, without any obligation of compensation or attribution to you.
  • You represent and warrant that: (a) you own or have the necessary rights to submit the User Content; (b) your User Content does not infringe upon the intellectual property rights, privacy rights, publicity rights, or any other rights of any third party; and (c) your User Content does not violate any applicable law or regulation.
  • You will not submit any content that is unlawful, defamatory, libelous, obscene, pornographic, threatening, harassing, abusive, hateful, discriminatory, or otherwise objectionable.
  • You will not submit any content that contains viruses, malware, trojan horses, worms, or other harmful or destructive code.
  • You are solely responsible for the content of your submissions. We reserve the right to remove, refuse, or edit any User Content at our sole discretion, without notice or liability to you.

We do not claim ownership over User Content you submit. However, by submitting User Content, you acknowledge that we may use your feedback, suggestions, or inquiries to improve our services without any obligation to you.

12. DMCA / Copyright Takedown

RateTopic respects the intellectual property rights of others and expects users of the Site to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (“DMCA”), codified at 17 U.S.C. § 512, we will respond promptly to claims of copyright infringement committed using our Site.

Filing a DMCA Takedown Notice

If you believe that your copyrighted work has been copied or used on the Site in a way that constitutes copyright infringement, please provide our designated DMCA agent with a written notice containing the following information (as required by 17 U.S.C. § 512(c)(3)):

  1. A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
  2. Identification of the copyrighted work claimed to have been infringed, or if multiple works are covered by a single notification, a representative list of such works.
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity, and information reasonably sufficient to permit us to locate the material (e.g., a URL).
  4. Your contact information, including your name, address, telephone number, and email address.
  5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
  6. A statement, made under penalty of perjury, that the above information in your notification is accurate and that you are the copyright owner or authorized to act on behalf of the copyright owner.

Counter-Notification Process

If you believe that your content was removed or disabled as a result of a mistake or misidentification, you may submit a counter-notification to our DMCA agent containing the following:

  1. Your physical or electronic signature.
  2. Identification of the material that was removed or disabled and the location at which the material appeared before it was removed or disabled.
  3. A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification.
  4. Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the judicial district in which your address is located, and that you will accept service of process from the person who provided the original takedown notification.

DMCA Agent Contact

All DMCA notices and counter-notifications should be sent to our designated agent at:

DMCA Agent — RateTopic
Email: legal@ratetopic.com

Please note: Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability for damages. Please ensure that your DMCA notice or counter-notification is accurate before submitting it.

13. Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information are governed by our Privacy Policy, which is incorporated into and forms part of these Terms.

By accessing or using the Site, you acknowledge that you have read and understood our Privacy Policy and consent to the practices described therein. If you do not agree with our Privacy Policy, you must discontinue use of the Site.

The Site contains links to third-party websites, applications, app stores (including but not limited to Google Play Store and Apple App Store), and services that are not owned or controlled by RateTopic. These links are provided for your convenience and reference only.

You acknowledge and agree that:

  • We have no control over, and assume no responsibility for, the content, products, services, privacy policies, or practices of any third-party websites or services.
  • We are not responsible or liable for any damage, loss, or harm caused by or in connection with your use of any third-party content, goods, or services.
  • Your interactions with third-party websites and services are solely between you and the applicable third party and are governed by that third party’s terms and policies.
  • The inclusion of a link on our Site does not imply endorsement, sponsorship, or recommendation of the linked site beyond the scope of our editorial review and commentary.
  • You should review the terms of service and privacy policy of any third-party website before using it or providing any personal information.

15. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, SERVICES, AND PRODUCTS AVAILABLE THROUGH THE SITE, INCLUDING BUT NOT LIMITED TO REVIEWS, RATINGS, RECOMMENDATIONS, AND EDITORIAL CONTENT, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TAPLIX EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
  • WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS.
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, REVIEWS, RATINGS, OR INFORMATION ON THE SITE.
  • WARRANTIES THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED.
  • WARRANTIES REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR ANY CONTENT THEREON.
  • WARRANTIES THAT THE SITE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

YOUR USE OF THE SITE IS AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, OR LOSS OF DATA RESULTING FROM YOUR USE OF THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM TAPLIX OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TAPLIX, ITS OWNERS, OPERATORS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRIBUTORS, AFFILIATES, AGENTS, LICENSORS, OR PARTNERS (COLLECTIVELY, THE “TAPLIX PARTIES”) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR USE.
  • COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES.
  • DAMAGES RESULTING FROM YOUR RELIANCE ON ANY CONTENT, REVIEW, RATING, OR RECOMMENDATION PUBLISHED ON THE SITE.
  • DAMAGES ARISING FROM ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND ANY THIRD PARTY WHOSE PRODUCTS OR SERVICES ARE REVIEWED, LINKED TO, OR REFERENCED ON THE SITE.
  • DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.
  • DAMAGES ARISING FROM ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SITE OR SERVICES.

THESE LIMITATIONS APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF THE TAPLIX PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE TAPLIX PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SITE EXCEED THE GREATER OF: (A) ONE HUNDRED US DOLLARS (USD $100.00); OR (B) THE TOTAL AMOUNT YOU HAVE PAID TO TAPLIX IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH JURISDICTIONS, THE LIABILITY OF THE TAPLIX PARTIES SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

17. Indemnification

You agree to indemnify, defend, and hold harmless the RateTopic Parties from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or in connection with:

  • Your access to or use of the Site.
  • Your violation of any provision of these Terms.
  • Your violation of any applicable law, regulation, or third-party right, including any intellectual property, privacy, or publicity right.
  • Any User Content you submit to the Site.
  • Any dispute between you and a third party arising from your use of the Site.

RateTopic reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. You agree not to settle any such matter without the prior written consent of RateTopic.

18. Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and RateTopic agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (collectively, “Disputes”) shall be resolved exclusively through binding individual arbitration, rather than in court, except that: (a) either party may assert claims in small claims court if the claims qualify; and (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

Arbitration rules and procedures:

  • Arbitration shall be administered by JAMS (Judicial Arbitration and Mediation Services) under its Streamlined Arbitration Rules and Procedures, or by another mutually agreed-upon arbitration provider.
  • The arbitration shall be conducted by a single, neutral arbitrator selected in accordance with the applicable arbitration rules.
  • The arbitration shall take place remotely via videoconference or telephone, unless both parties mutually agree to an in-person hearing.
  • The arbitrator shall apply the substantive law of the State of Delaware (without regard to conflict of law principles).
  • The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
  • Each party shall bear its own costs and attorneys’ fees, unless the arbitrator determines that a claim was frivolous, in which case the arbitrator may award reasonable attorneys’ fees to the prevailing party.

Small claims court exception: Notwithstanding the foregoing, either party may bring an individual action in small claims court for Disputes within the scope of that court’s jurisdiction.

YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND TAPLIX ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION.

19. Class Action Waiver

YOU AGREE THAT ANY AND ALL DISPUTES ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU HEREBY WAIVE YOUR RIGHT TO PARTICIPATE IN, OR BE A MEMBER OF, ANY CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, CONSOLIDATED ACTION, OR PRIVATE ATTORNEY GENERAL ACTION.

YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST TAPLIX ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

Severability of class action waiver: If any court or arbitrator determines that the class action waiver set forth in this Section 19 is void or unenforceable for any reason, or that arbitration can proceed on a class basis, then the entire arbitration provision set forth in Section 18 shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate Disputes. In such event, Disputes shall be resolved exclusively by the courts specified in Section 20 (Governing Law).

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. To the extent that arbitration is not applicable or is deemed unenforceable, any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in the State of Delaware, and you hereby irrevocably consent to the personal jurisdiction and venue of such courts.

Notwithstanding the foregoing, nothing in these Terms shall deprive you of the protection afforded by mandatory consumer protection laws of your country or state of residence. If any mandatory consumer protection laws in your jurisdiction provide you with greater rights than those set forth in these Terms, those rights shall apply to the extent required by law.

21. Termination

We reserve the right to terminate, suspend, or restrict your access to the Site, in whole or in part, at our sole discretion, at any time, for any reason or no reason, with or without notice, including but not limited to your breach of these Terms.

Upon termination, the following sections of these Terms shall survive and remain in full force and effect: Section 5 (Editorial Content and Opinions), Section 8 (Recommendation Liability Disclaimer), Section 9 (Intellectual Property), Section 11 (User-Generated Content), Section 15 (Disclaimer of Warranties), Section 16 (Limitation of Liability), Section 17 (Indemnification), Section 18 (Binding Arbitration), Section 19 (Class Action Waiver), Section 20 (Governing Law), and any other provisions that by their nature should survive termination.

22. Changes to Terms

We reserve the right to update, modify, or replace these Terms at any time at our sole discretion. When we make changes, we will update the “Effective Date & Last Updated” date at the top of this page.

For material changes that significantly affect your rights or obligations, we will make reasonable efforts to notify you by posting a prominent notice or banner on the Site. We may also, but are not obligated to, notify newsletter subscribers via email.

Your continued use of the Site after the posting of any changes constitutes your binding acceptance of the revised Terms. If you do not agree with the updated Terms, you must immediately stop using the Site. It is your responsibility to review these Terms periodically for changes.

23. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction or arbitrator, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms. The remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties.

24. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published by RateTopic on the Site, constitute the entire agreement between you and RateTopic regarding your use of the Site. These Terms supersede all prior or contemporaneous agreements, communications, proposals, and representations, whether oral or written, between you and RateTopic with respect to the Site.

25. Waiver

The failure of RateTopic to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any term or provision shall be effective only if it is in writing and signed by an authorized representative of RateTopic. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term, and RateTopic’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

26. Assignment

RateTopic may assign, transfer, or delegate any of its rights and obligations under these Terms without your consent and without notice to you, including in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law. You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of RateTopic. Any attempted assignment in violation of this provision shall be null and void.

27. Force Majeure

RateTopic shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to: acts of God, natural disasters, epidemics, pandemics, fire, flood, earthquake, war, terrorism, civil unrest, strikes, labor disputes, government actions, embargoes, sanctions, power outages, internet or telecommunications failures, cyberattacks, denial-of-service attacks, or other events of force majeure. During such events, RateTopic’s obligations under these Terms shall be suspended for the duration of the force majeure event.

28. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Use, or if you need to contact us for any reason, please reach out using the following:

General Inquiries:
hello@ratetopic.com

Legal Matters & Terms of Use:
legal@ratetopic.com

DMCA / Copyright Takedown Notices:
legal@ratetopic.com

We will make every reasonable effort to respond to your inquiry in a timely manner.