Overview
All advertising, sponsored content, and promotional placements on the RatesQ Platform (including QMarket and sponsored profile placements) must comply with this Responsible Advertising Policy, applicable federal and state law, FTC guidelines, and all other RatesQ policies. RatesQ reserves the right to refuse, remove, or require modification of any advertising content that does not comply with this Policy.
Transparency and Disclosure
- All paid placements must be clearly identified as advertisements, sponsored content, or promotions where required by applicable law and FTC guidelines.
- Advertisers must accurately identify themselves and their company.
- Material connections between advertisers and endorsers or testimonials must be disclosed.
- Pricing, fees, and compensation structures must be accurately described.
Prohibited Advertising Content
Prohibited Content
Violation of these prohibitions may result in immediate removal of advertising content and termination of the advertiser's account on the Platform.
Misleading Claims
- False or misleading claims about mortgage rates, APRs, fees, or loan terms
- Bait-and-switch tactics (advertising rates that are not genuinely available to qualified consumers)
- Misleading comparisons with competitor rates or products
- Omission of material terms, fees, or conditions in mortgage advertisements
- Misrepresentation of a company's licensing status, credentials, or NMLS number
Deceptive Practices
- Guaranteed loan approval or guaranteed mortgage rates
- Claims of "lowest rate guaranteed" without substantiation
- False urgency ("rates expire today") designed to pressure consumers
- Fake reviews, testimonials, or consumer endorsements
- Misleading claims about the nature of RatesQ's relationship with the advertiser
Discriminatory Advertising
- Targeting or excluding audiences based on race, color, religion, national origin, sex, familial status, disability, or other protected characteristics
- Use of language, imagery, or content that is discriminatory or that may violate the Fair Housing Act or ECOA
- Geographic exclusion of communities in ways that may constitute illegal redlining
Regulatory Violations
- Advertising mortgage products without required licenses in the advertised states
- Including APR or rate information without required TILA/Reg Z disclosures where applicable
- UDAP (Unfair, Deceptive, or Abusive Acts or Practices) violations under applicable state and federal law
Advertiser Compliance Obligations
- Maintain all required federal and state licenses for the duration of advertising on the Platform
- Comply with all applicable advertising regulations including Regulation Z (TILA), RESPA, ECOA, the Fair Housing Act, and applicable state laws
- Comply with FTC guidelines on endorsements, testimonials, and disclosure
- Respond to consumer complaints related to advertising promptly and in good faith
- Notify RatesQ promptly of any material change in licensing status, regulatory action, or legal proceeding that may affect advertising on the Platform
No Endorsement by RatesQ
Advertising on RatesQ does not constitute an endorsement, recommendation, or verification of the advertiser's services, rates, licensing, or compliance by RatesQ. Advertisers are solely responsible for the accuracy, legality, and compliance of their advertising content. RatesQ is not liable for any claims made in advertiser content.
Review and Removal
RatesQ may review any advertising content for compliance with this Policy at any time. RatesQ may require modification of advertising content, suspend advertising placements, or permanently remove an advertiser from the Platform for Policy violations. RatesQ will not be liable for any business losses resulting from the removal of non-compliant advertising content.
Reporting Advertising Concerns
If you believe an advertisement on the RatesQ Platform is misleading, discriminatory, or otherwise non-compliant, report it through ratesq.com/report-abuse or by emailing [email protected] (select "Advertising Concern" as the category).
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Questions about this document? Contact us at [email protected] or submit a ticket through the RatesQ support center.